What are the benefits of starting your financial planning early? If you made challenging financial decisions in the past, what steps do you need to take to get back on track? On the first episode of My Financial Life, host Kirk Lapointe, editor-in-chief of Business in Vancouver and adjunct professor at the UBC School of Journalism, speaks to UBC alumna, Tracy Theemes, a financial advisor and certified financial planner at Sophia Financial, Raymond James.