When should you start planning for retirement? In your twenties, or in your fifties? In the second part of this week’s Goldstein on Gelt show, Doug meets Terry Savage, a well-known expert on personal finance. Terry, author of The New Savage Number: How Much Money Do Really You Need to Retire? tells us why time is more important than money and why you need to start planning for retirement even when you’re still young. Find out more about what you need for your golden years and when you should start teaching your kids about money.