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...

What do you wish you had learned or been taught about money as a kid? What skills would have served you as an adult?  Every parent wants the best for their kids, and helping them understand money and personal finance is an important step.  It’s also...

I think we can all agree that learning about parallelograms and chlorophyll instead of how to file our tax returns was a mistake.  Perhaps one day, personal income tax will find its way into the curriculum, but until then it’s probably up to parents to help kids...