Hi ,

I'm writing this at 3AM, my baby finally asleep in my arms....

You know that overwhelming love you feel for the people who matter most? That's what I'm drowning in right now.

I wish I could carry my little one every second of the day. I wish I could freeze this moment forever. But as I was rocking him to sleep tonight, a terrifying thought crept in...

What if I can't give him the life he deserves?

Not just now, but when I'm older. What if I become his burden instead of his blessing?

I started thinking about my parents too. They sacrificed everything for me, and now I watch them worry about money at 65. They did everything right—worked hard and saved aggressively to ensure I and my two siblings completed our education.

And suddenly, I felt completely trapped by time....

We all get 24 hours per day, but how many do we actually have left? How many chances do we get to build the life we want for our families?

Then I did some math that made my stomach drop:

Take your age, subtract it from 65, multiply by 12.

That's how many MONTHS I have left When I saw that number, everything clicked.

This isn't just about retirement. This is about freedom...

Freedom to be present with my sons. Freedom to take care of my parents without sacrificing my family's future. Freedom to live with dignity, not desperation.

So I made a decision...

I'm not just planning for retirement anymore. I'm building time freedom. Multiple income streams through investments. Real financial security.

Not because I'm greedy, but because I'm responsible.

Every month I wait is a month my money could have been growing.

Every day I delay is another day closer to becoming someone else's financial burden.

I'm sharing this with you because maybe you're feeling the same way. Maybe you're also lying awake wondering if you're doing enough.

You are not alone in this fear.

But fear only helps if it moves us to action.

What's your number?

How many months do you have left?

And more importantly, what are you going to do about it?

I'd love to hear your thoughts.

Hit reply and let me know if this resonates with you!

Sometimes the most important conversations start with the scariest questions.

With Regards,

Zest

P.S. I keep thinking about that number - how many months I have left. It's not meant to scare you (okay, maybe a little), but to wake us up to the urgency of building real financial security. Time is the one thing we can't get back.