Have you ever noticed that money tends to disappear unless you pay attention to it? It’s true. (It’s that dreadful feeling we get when we look at our bank statement at the end of the month and think, “Where did it all go…?”) That’s why it’s essential that you have clarity around what you want…
DetailsWhat if I told you that you could make one decision now that would make all your financial decisions for the next 12 months so much simpler? Would you be interested? (Duh. Of course you would!) I call this decision your Chief Initiative, and it is basically a values and goals statement that can guide…
DetailsWhy should you do financial planning right now? Um, maybe you shouldn’t. Sometimes when in a sales situation, the seller creates urgency – there’s a deadline to get a certain deal. I HATE this. Deadlines and deals are artificial. You should never feel like you’re making a decision under a deadline, and if you do,…
DetailsA lot of people seem to believe that financial planning is only for the wealthy, or for the people who are a financial train wreck. That might be partially true…before I left my last broker-dealer, I saw how much pressure advisors were under to only take on clients who met certain asset minimums. In many…
DetailsI spend a lot of time reassuring people that financial planning isn’t “just” for the wealthy…in fact, a financial plan is what puts you on that road, regardless of where you start. It is meant to help you begin with the end in mind with regard to your money. And some people think (erroneously!) that…
DetailsIf you want to avoid the crazy-making style of investments, then focus on keeping things SIMPLE. There are two ways to look at simple. One way is to keep things simple so that you can do it all yourself. This is totally doable—and not at all scary—in our digital world, and I’ve made some suggestions…
DetailsIs it any wonder that one of the most nerve-wracking tasks of financial planning can be understanding how to invest your 401k, IRA or other account? In fact, I think sometimes financial people WANT you to feel nervous, because then you start to think that making investment decisions is too hard for a layperson like…
DetailsI was STUNNED when I realized my most-read blog post was about Law of Attraction… uh, what??? Honestly, the Law of Attraction (LOA) has become a cover for hyper-positivity that doesn’t account for the things actually wrong with our world that we need to fix. And BOY HOWDY, did we see that in 2020. I am…
DetailsWhat did you learn from your parents about money? Did they teach you how to balance a checkbook? Create a budget? How to use a credit card? I would say, the mechanics of basic personal finance are only part of the story you got from your parents. There are probably two sides to this coin:…
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