How Disability Insurance Works
How disability insurance protects your income - covering own-occ vs. any-occ, payout %, employer vs. individual, and family needs.
Happy National Boss’s Day!
Celebrate unforgettable bosses - like mine Tony Russo, Gary Austin, Thushan Wijesinghe, and Orna Samuelly - who led with calm, care, clarity, humor, and kindness.
Could an All In One Mortgage Cost an Extra $270,000?
How an ‘all in one’ mortgage could cost $270,000 more over time - and why a traditional mortgage might be smarter.
Charge Market Rent!
Why charging market rent can boost your cash flow, lift property value, and avoid income loss over years.
Schedule Your PTO ASAP
Schedule your Paid Time Off (PTO) as soon as possible!
Lodging gets booked
Flight prices rise
Schedules fill up
Coworkers call dibs
Are Employee Stock Purchase Plans Underrated?
Why Employee Stock Purchase Plans can be a hidden gem - offering discounted stock and smart lookbacks.
92% Prefer Remote or Hybrid
Unpack why 92% prefer remote or hybrid work - and how that matters for your financial priorities, flexibility, and lifestyle.
Is It Worth Holding Employer Stock?
There are risks of holding your employer’s stock - lack of diversification, it might not be as unique as it seems, and potential impacts to your other assets.
Big Takeaways from XYPN Live 2023!
I had the great fortune to attend the XYPN Live last week.
Michael Kitces asked me about my big takeaways.
They were all about mindset:
Stephanie Bogan’s challenge to think bigger
Michael Kitces’ closing keynote on scaling
Adam Cmejla’s perspectives on growth and automation
Do You Have the 3 T’s to Manage Finances Well?
Do you have the 3 T’s to manage finances well?
Those are:
Time
Training
Temperament
Are You Less Behind Than You Think?
How compound growth - using the rule of 72 - reveals that you may be further ahead than you feel in your financial journey.
Could Waiting a Year Cost $140,000?
How delaying financial moves by a year could cost you nearly $140,000 over 40 years - due to compound growth.
5 Ways to Lower Taxes Besides Donations
Five smart ways to lower your taxable income - like pre-tax retirement accounts, HSAs, spousal IRAs, tax-loss harvesting, and share sales.
Can Volunteering Save Your Life?
How volunteering once led to a lifesaving health check - and how helping others can improve your wellbeing, too.
Are You Ignoring $900,000?
Why ignoring Social Security could miss nearly $900,000 in retirement income - and how timing your benefits wisely matters.
Buying a Car
Five smart car-buying steps - from knowing your alternatives and negotiating financing to staying energized and walking away if needed.
Vacation + Disaster = Adventure
We recently vacationed in Sandpoint, ID!
However, something impacted our plans.
You can actually see the trouble across the bottom of the photo: wildfires.
Someone once said: “Vacation plus disaster equals adventure.” So true!
Never Finance a Toy
One of the best pieces of advice I received came on a boat in Northern Idaho.
Joe and Amber were trying to get Kyle to take out a loan and buy a boat together.
Kyle declined using four words I’ll never forget:
“Never finance a toy.”
Types of Spending
There are essentially four types of spending:
Needs - high on physical and low and psychological benefit
Entertainment - high on psychological and low on physical benefit
Societal - high on both psychological and physical benefit
Addiction - low on both physical and psychological benefit
Of course, these are not mutually exclusive!
My Goal? Help People Reach Financial Independence!
My goal? Helping you reach financial independence so you choose to work - not because you have to.
