Start Smart Series
Author
Angler
Music Educator
Terri Osland
At 23, in my very first year of teaching in 1991, I attended a retirement planning workshop led by veteran educator Kay Hawley. While retirement felt a lifetime away, Kay’s practical wisdom and authentic, no-nonsense approach sparked something in me. Her message wasn’t just inspiring-it moved me to take immediate action toward my long-term financial goals.
Fast forward 32 years; I retired at 55, completely debt-free. Today, I’m enjoying part-time work as the general manager of a pickleball club, pursuing a true passion of ine.
I am deeply grateful to Kay for her insight, integrity, and generosity in sharing her knowledge. Her guidance didn’t just influence my finances–it shaped the course of my life.