Financial planning starts with meeting critical needs. It's impossible to plan for retirement when daily expenses aren't covered. Everyone's situation is unique; focus on the present before future goals. Touring industry success comes from presence and persistence. Rachel shares how showing up and absorbing information led to coaching Green Day and speaking at LiveAtLititz. Watch full video: https://youtu.be/ezJvaAzrrl8 #musicindustry #livedsound #greenday #liveatlititz #touring #productionmanager #financialplanning #budgeting #moneymanagement #criticalneeds