6 Steps to Crisis-Proof Your Life
We all know that life can throw some pretty wild curveballs our way. Recessions, natural disasters, pandemics, medical emergencies, layoffs… the list goes on. We can’t bubble-wrap ourselves against everything that might happen, but we can put some smart safeguards in place for our finances and career. Here are 6 practical ways to prepare your […]
6 Ways to Turn a Bad Market Into Your Advantage
Feeling a bit queasy about the market lately? You’re not alone. Tariffs, interest rates and inflation worries have been giving investors heartburn lately. When the market takes a nosedive, it’s easy to feel like you should just hide under the covers until it’s all over. But market downturns aren’t just doom and gloom. They can […]
What is Vesting?
Imagine you’re offered a job with a fantastic benefits package, including stock options or a 401(k) match. Sounds great, right? But there’s a catch: you might not get to keep all those perks right away due to something called vesting. Let’s break down what vesting is and how it affects your benefits. What is […]
Should You Pay Off Debt or Invest?
Deciding between paying down debt and investing can feel like choosing between two good-but-confusing options. Here’s my simple breakdown to help you decide, based on your situation. The 6% Rule of Thumb If your debt has an interest rate of 6% or higher, focus on paying it off before investing extra money (with the exception […]
Market Volatility in Retirement: Are You Prepared?
Concerned about market ups and downs now that you’re living off your savings? There are ways to approach this in order to ease the burden of your portfolio. The key? Don’t sell your investments when the market’s in the gutter. Here’s a quick guide to keeping your retirement cash flowing, even when stocks are tanking. […]
How to Start Over Financially During Midlife
You’re in your 40s or 50s and need to start over financially. Now what? Maybe you got a divorce. Or the business you’ve invested everything in failed. Maybe you drowned in debt and had to file for bankruptcy. Working hard for years and then facing unexpected setbacks you didn’t see coming is daunting. And yes, […]
6 Ways to Build Wealth in Your 30s
So you’re in your 30s. Maybe you’re feeling like you’re finally getting your life together after you’ve spent you’re 20s leveling up your career. By your 30s, you’re likely more settled, which makes it easier to establish consistent budgeting and savings habits. Most people typically experience significant career advancement and higher earning potential in their 30s. […]
The Top Areas to Focus On 5 Years Before You Retire
As you get closer to approaching retirement, the last five years before you retire take on incredible importance. During these precious years, you potentially have the highest earning potential of your career and should be taking full advantage of this. At the same time, your fixed expenses may be lower than in previous years if […]
8 Essential Money Lessons
As a Financial Planner and Financial Advisor, I’ve worked with over a thousand clients and investors over the years. Over countless conversations and meetings, I’ve seen the excitement, anxiety, and fear that comes with navigating their finances during this pivotal life stage. I’ve also worked with highly successful clients, each with their own story. Here are eight […]
Why Gen Zers Reject Dave Ramsey’s Advice
Self-care vs. Financial health Dave Ramsey has been a popular financial guru for decades. His advice on living debt-free and cutting expenses has resonated with millions of American boomers. But there’s a shift in how the younger generation thinks about money and Ramsey’s no-nonsense advice. Young people have been pushing back against Ramsey’s financial advice, […]