Personal Financial Planning: Understanding the Process A technical definition of financial planning is the process of determining your financial goals, looking at your current situation, and devising strategies for achieving those goals. It’s best viewed as a process...

“Give me six hours to chop down a tree and I will spend the first four sharpening the ax.”   - Abraham Lincoln You’ve got roughly 50 years to earn money. Does that sound like a short or a long time?  I suppose the answer depends where you are on the...

We’ve become obsessed with hacks, shorter work weeks, convenience and comfort. And while those are all good and desirable things, we’ve forgotten about the price tag. All things have a price tag.  If we save money, we can eventually stop working. If we exercise,...

Personal finance apps can help you get your money organized, whether you’re trying to save to purchase a house or just want to be more mindful about your spending. Not only that, they can help you feel more confident about your decisions and even separate your...

Parkinson’s law teaches us that work will expand or contract to fill the space available for its completion. We’ve all experienced this, perhaps even this morning.  Odds are, you have a morning routine. When you wake up on time, you progress through it and start...

The path to wealth can be simple, but it won’t be easy.  Whenever I’m working on something important, I try to start with the end in mind. In this instance, the starting point is for you to determine what “wealth” is. Merriam-Webster defines it as an “Abundance...

Could you be wealthier than Bill Gates and Warren Buffett? I think the answer is yes.  Gates has a net worth of approximately $135 Billion, and Buffett’s is approximately $126 Billion. The definition of wealthy is “having a great deal of money, resources, or...

Pre-Pandemic, almost two-thirds of Americans were living paycheck-to-paycheck, over half wouldn’t be able to come up with $500 in cash, and many were burdened by credit card debt.  Today, the top financial concerns are inflation, unexpected expenses and the...

The only way to live how you want, is to know how you want to live.  This is the starting point.  Too many of us are carried along by the current. We jump into the river because it’s “what we do'' without really thinking about it, and it carries us...