Are mutual fund fees inherently bad? No.  Is paying too much in fees bad? Yes. Do fees erode performance? Yes.  Is there such a thing as a free lunch? No Finally, cost is what you pay, value is what you get. Alright, we got it.  Over the course of my...

I've had the great honor and privilege of working with many business owners throughout my career. These are some of the smartest, hardest-working people I've ever known. Although they typically have a great head on their shoulders, when it comes to business, many...

It’s my belief that what I can be, I must be.  That it’s my obligation to become the best possible version of myself. Because of that, I’m constantly trying to get better. And I’m trying to do it every day.  Within the past couple years, I got turned onto...

Making changes is hard. There’s a gap between what many of us intellectually know, and what we actually do. Too often, it takes an unfortunate event or hitting rock bottom to jump start a change.  What can be done to proactively make changes? Enter cohort-based...

Have you ever felt like you take one step forward, and two steps back with your finances? Have you ever said, “I’m just not good with money?”  When thinking about solving the money problem, it’s easy to see where it shows up. Two thirds of Americans are living...

So the shit hit the fan.  Now what? Step one, turn off the fan. Step two, start cleaning up.  In all seriousness, adversity is a part of life, and financial adversity is something we’ve all faced. And like the Stoics say, you can’t control what happens to...

Have you ever felt like you’re playing catch up, that you’re behind the 8 ball, that the tail is wagging the dog?  You ever have those mornings when you really, really don’t want to get out of bed? Me too. We all do.  But you do get out of bed. You push...

It’s estimated 80% of Americans will never work with a financial advisor.  64% of Americans are living paycheck-to-paycheck.  I can’t help but wonder if those two stats are related. Here’s what I do know: It really helps to talk things out. Whether you’re...

We’re all unique individuals, but I think we share two important and immutable characteristics: Our desire to find happiness, and our desire for freedom.  While money alone won’t give us either of those things, it can put us in position to have them. ...