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...

The financial planning process is something you can master. It can also be intimidating if you’re new to personal finance and/or aren’t currently investing.  The entire financial services industry is unnecessarily complex. While there are a lot of moving parts to...

The best time to plant a tree was 30 years ago. The next best time is today.  Is it possible for you to become a millionaire? The answer is most certainly yes. 80% of new millionaires are self-made, meaning they didn’t inherit their wealth. So, if you don’t come...

I don’t know about you, but I’d rather have all my investments be tax-free. While this may not be possible, it pays to understand our options when it comes to building tax-free wealth.  401(k)s came into existence in the late 70s and were widely adopted in the...

When you’re going on a trip, there’s a lot to prepare for.  The first step is deciding what you want to do, and where you want to go.  You need to make sure your vehicle is capable of getting you to your destination and that it’s ready to make the trip. From...