What Millennials Should Do to Combat the Fear of Running Out of Money

As someone who's spent decades protecting others—first in uniform, now as a financial coach—I know firsthand that the fear of running out of money is deeply real, especially for millennials. In fact, studies show most in this generation fear outliving their savings even more than death itself. It's a sobering reality, but it doesn't have to dictate your future. By focusing on practical steps like delaying Social Security until age 70, diversifying your investments, building an emergency fund, budgeting wisely, and consistently saving 20-25% of your income (especially in tax-advantaged accounts), you create a financial foundation that withstands life's uncertainties. My mission is to help families build lasting security and financial independence—so you can protect what matters most and build a legacy that lasts.