Is Your Cash Starving?
Running low on cash can trigger stress, fees, and a downward spiral - building a buffer breaks the cycle and can unlock opportunities.
No Tax on Investment Gains?
Someone might pay no tax after selling an investment for a gain. There is a 0% capital gains tax bracket. However, it is very common for someone to pay a 15% capital gains tax.
Are My Assets in the Right Location?
Place your money wisely - align your emergency fund, retirement, investments, and HSAs in the right account types to work smarter.
5 Great Questions to Ask Yourself
What are five great questions to ask yourself? 1) What do I want my money to accomplish? 2) How do I minimize lifetime taxes? 3) What if I’m injured? 4) How can education costs be reasonable? 5) Are my assets in the right location?
Happy Thanksgiving!
Happy Thanksgiving, all!
I have even more than usual to be thankful for this year - including family, health, time, clients, and support.
Hierarchy of Expenses
What are the hierarchy of expenses? Basic needs, required, autonomy, experience, and gift.
This article explores each in turn.
16 Ways to Build Wealth
Explore 16 simple, smart ways to build wealth - from boosting income and cutting costs to protecting assets and planning ahead.
Benefit from Inertia
This is how inertia can work in your favor over decades with minimal effort - including automated savings and compound growth.
Pros and Cons of a Health Savings Account
The pros and cons of an HSA - tax-smart savings, portability and flexibility versus high deductibles and eligibility limits.
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.
