Most people are building their financial future on outdated advice, hidden fees, and a retirement plan that may not hold up. Darryl East breaks down the money moves that can help you protect your income, reduce taxes, and build real generational wealth—starting earlier than you think.Phil sits down with Darryl, owner of DE Financial Solutions, for a practical conversation about life insurance, retirement planning, wealth management, and the biggest financial mistakes people make when they wait too long to plan. Darryl shares how his path from technology and telecommunications into financial services shaped the way he educates clients today, and why trust, relationships, and face-to-face guidance still matter in a digital world.In this episode, you’ll discover:- Why so many people misunderstand their 401(k) and what the “three-legged stool” of retirement used to look like- How tax-free solutions, cash value, and long-term care planning can change the way you think about money- Why starting a policy for a child as early as two weeks old can create a powerful legacy strategy- How trusts can protect assets in ways a simple will cannot- What Darryl means by “killing GoFundMe” and preparing your family before a crisis hitsDarryl also explains how COVID accelerated the move to Zoom, AI, and instant approvals through platforms like Ethos, making financial education and protection more accessible than ever. He shares the faith-driven mindset behind his work, the importance of servant leadership, and why he is transitioning from Global Financial Impact to his own agency, DE Financial Solutions.