Know Your Plan Before You Die…

Most employees do not know what their Social Security benefits will be.  They don’t know what their 401(k) will provide for them at retirement, nor when they will be out of debt.  Few employers provide disability insurance if you get hurt or sick, so what will happen if you become sick or hurt?  And health insurance is a “can of worms.”  If you are self-employed, and/or running a small company, many more questions exist than there are answers.  What will you do when you die or your spouse does?

Everyone should know what benefits they are going to enjoy, and communicate with a spouse about them at least annually.  Things change so fast that if you think you have benefits and don’t, you can go broke in a single week!  It is not hard to gather all your financial information together and review it.  When you have a question, make the effort to call and get answers. 

To see how this works in the real world, I want to share one of my client’s stories:

The husband passed away suddenly at age 64 and his wife had never worked outside the home.  He had $20,000 of group term life insurance and they had $52,000 savings in a 401(k) account.  Their home was worth $230,000, but they still had $189,000 mortgage.  The wife is in good health and expected to live beyond the average life expectancy for women of 87.  The husband’s funeral cost $15,000.  The wife has the option of accessing Social Security benefits of $1,245 a month, or to wait another three years and get $1,570 a month.

What would you do in this situation?  Their monthly living expenses before the husband passed away had been $4,000 per month. Now there’s no money to live like that. Will the wife have to sell the house since the Social Security income she could take now will basically pay the monthly mortgage and that’s it?  If she does sell, where will she live and what will she live on?

This couple had not talked about early death or how one or the other would live once one of them passed away — there was never this kind of detail discussed, ever. They just went along thinking nothing would change.  But it did change and the woman in this situation is in a really bad place financially.  And it will change for you too.  It is only a matter of time before big changes come to your world.  Get prepared.  Review all your benefits and make decisions today as if one of you has passed away.  Play this game over and over until you feel comfortable that you have your financial situation right.

In my experience, most people die with nothing more than a simple will. Their assets have to be probated in court until they are cleared for distribution.  This can take two years.  The expense of having a judge decide how to divide up assets can drain another $30,000 off your assets.  And in many cases, the surviving spouse still needs an income to live on.  What if health problems arise?  

The best way to start preparing for coming changes is to stop spending any more money until you have a Spending Plan in place and have learned how to track that plan so you can see where you are wasting money. Once you do so you will find a surplus that you can begin saving. Fund your future with this real money, that comes from getting your spending and debt under control. Then make sure you create a living trust. Transfer your assets into the trust and make sure nothing goes to the court to decide. Go to and see how simple it is to get organized and match assets with a real plan document.  Don’t delay and become part of the majority that leaves your family out in the cold, unable to help themselves.  The memory of you that will be left will not be good.  To learn more go to or contact me:

Beware of “Financial Plaque”… It Can Kill All Your Best Laid Plans

This illustration of plaque buildup in the arteries makes me sick.  Millions of people have plaque that has the potential to cause huge health problems.  The same can be said about the “financial plaque” that so many people carry around with them. They have allowed their spending to overcome their income and use credit almost exclusively to live on. When you consider the interest expense that accompanies this widespread use of credit, the damage can be just as detrimental as plaque in the arteries.

What kind of damage is debt doing to people?

  • No money set aside for emergencies, which are bound to occur.
  • No money set aside for emotional impulse spending, which is also bound to occur.
  • No hope of retiring, ever.
  • Lost opportunities to create wealth that puts money to work rather than working for money.
  • Lost opportunities to help those in need, to create jobs for others, to form philanthropic organizations.
  • Almost certainly guaranteeing problems paying for healthcare in old age.

The remedy for plaque and heart disease is to eat properly, exercise, and get plenty of rest. Financially, the remedy is to build a Spending Plan and track expenses according to that plan in order to create a cash surplus.  Saving that surplus is the same as getting plenty of rest for the body. 

Learn to put work clothes on your savings and send it out the door to work instead of working your entire life to pay off debt. This will bring not only financial health, but physical health and happiness as well. 

To find out what’s building up in your “financial arteries” visit today.

Take Caution: Read Disclosure Notices on Investment Projections Before You Sit Back on Your Retirement Laurels

Following is a typical disclosure notice you might see at the end of an investment report. Take the time to read this disclosure,  you might be surprised what you find:

If a numerical analysis is shown, the results are neither guarantees nor projections, and actual results may differ significantly.  Any assumptions as to the interest rates, rates of return, inflation, or other values are hypothetical and for illustrative purposes only.  Rates of return shown are not indicative of any particular investment, and will vary over time.  Any reference to past performance is not indicative of future results and should not be taken as a guaranteed projection of actual returns from any recommended investment.

If you reviewed a report that said your retirement is going to be adequate but then get to the small print at the bottom of the report and it says, “Any assumptions as to the interest rates, rates of return, inflation, or other values are hypothetical and for illustrative purposes only,” how should you feel? How much credence can you place in the numbers from such a report when planning your future?  For example, if an assumed interest rate went from 5% to 3% in real time as you are saving for retirement, you might run out of money with 12 years left to live!

Or let’s say you use the past 40-year average market gains to forecast your future income and then read, “Any reference to past performance is not indicative of the future results.” You probably aren’t going to feel super confident about what your direction is going to be.

Of course we need to plan and project, using the best tools available, but how can you do any of those projections given all the unknowns?

In my experience, the best way to use forecasting projections is to keep track of each year’s projections and review from year to year.  As the years go by you can watch out for adjustments that will surely force some changes.  This way when something isn’t quite working out like you forecasted, you adjust. It’s the simple principle of tracking and you should be applying it when it comes to retirement funds, but what I have found is very few people do, only about 3 percent of us actually track and adjust each year.

Think of you being the navigator on an airplane.  As you fly from San Francisco to Dallas, you are seldom going straight to your destination because of wind and weather.  A navigator must keep adjusting and changing the course according to what affects the plane.  This is the same for each of us financially.  The forecasting is so important, but the adjusting to changes is critical.  So for the 97% of those who don’t forecast, they will not end up in Dallas, financially speaking, but probably Minneapolis.  I hope they like the colder north country. For information on how to create a more predictable retirement that you cannot outlive, contact me for a no cost consultation:

There Must Be Fun to Make the Hard Parts of Life Worth Living…

The Money Mastery system of personal financial management teaches that savings is actually just “delayed spending.” What this means is that all money is to be spent — some will be spent now, and the so-called “savings” we create will be spent later for future events.

So what kind of “delayed spending” accounts should we create? There are three:

  1. Long-term
  2. Emergency
  3. Emotional

The Long-term account is obvious — we need the most money here for the end of our life, when we stop working and hope to retire so we can do so comfortably.  I have written extensively about how to create this delayed spending account and I urge you to check out some of those posts here.

The Four C’s of Retirement Planning

How to Determine Retirement Needs Accurately

How You Define Retirement May Mean You Actually Get to Retire

The Emergency account is also obvious — problems crop up all the time and as I have tracked the emergencies my family has encountered it adds up to an average of $383 every month.  Because I have a historical picture of what life  has been like for our family through tracking, I just go ahead and set the $383 aside each month so I have this money to spend later when these emergencies arise BECAUSE THEY WILL HAPPEN JUST LIKE CLOCK WORK.  What about your family? Do you know what you need to set aside each month to plan for the inevitable?

The last account, Emotional, gets overlooked or in most cases has not even been considered as a needed delayed spending account.  But just like emergencies, the need for impulse spending for the sheer fun of it is bound to happen TO ALL OF US and if you’re not prepared for these events, you will spend money you do not have simply to fulfill an emotional need. And let’s face it, there’s absolutely nothing wrong with spending money impulsively, for no other reason than because you want to have fun and enjoy life — that is unless you have not prepared for it. Then spending money this way is what gets people into debt and keeps them that way for a long time.

My advice? If you don’t think you have much to set aside for emotional spending, start with a small amount like $25 for example. Put this away every month and then work your way up a little. That way, in a few months you have money that has been set aside only to be used when you want to do something fun on the spur of the moment. You can still pay your monthly bills while not depriving yourself or family members of the fun and enjoyment in life. Or let’s say you get a tax refund (which is something I suggest you not be getting every year but that’s a post for another time), but if you’ve gotten a recent tax return, I suggest you take a portion of that return, at least $500 of it and put it aside into a savings account to only be used when you want to do something fun on the spur of the moment. 

Now let’s spend this $500.  Let’s suppose that your spouse comes to you and tells of friends who went to a resort with natural hot water swimming pools.  He or she is sad and wishes your family could do something like this.  You spring into action and say, “Honey, let’s check our emotional account and see how much money we have.”  WOW, you have $500 and it would only cost $235 to do this same trip to the hot water pools.  All of a sudden your family gets to put some excitement back in life and together you have a wonderful family-bonding experience that provides happy memories for your children.

Not having money saved for emotional spending needs is like going on a diet and expecting to never eat another cookie or indulge in another ice cream cone again. Those kinds of diets do not work because they are too strict to give you the motivation you need to stay on them. Eating right is fine so long as you can splurge occasionally. The same goes for proper financial management. Fun times are needed every once in a while if you expect to stay on track. But, those fun times need to be properly funded, in advance.  Plan for emergencies, plan for retirement, but don’t forget to plan for emotional activities either.  Learn how by going to

What Is a True Financial Coach and How Do They Differ from and Adviser?

Many people confuse financial coaches with a financial adviser. These are two very different animals that need distinguishing.

Financial Coach:  A true financial coach focuses on your knowledge, your habits, and your ability to make wise decisions.  They don’t superimpose their feelings upon you.  A true financial coach knows that each person is unique with different goals, different attitudes about money, different challenges with math, and different strengths/weaknesses.  A true financial coach will know how to strengthen your where you are weak.

Financial Planner or Adviser:  This person is most often selling a product.  A financial adviser wants to profit on the money you have already accumulated.  The problem is that this is not what most people actually need.  Most people need and want to know how to create the money in the first place and then how to manage it wisely, perhaps with the help of a financial adviser, once they acquire it.

Think about how a salesman wishes to make money.  They sign up with an institution and then submit to their training.  What kind of training will that be?  Will it be training on five other competitor products so they can sell for them as well?  Absurd, not ever!  This employer wants to train you on his or her own products.  In the Time and Moneycase of a financial adviser, who are truly not a lot more than sales representative, they are encouraged to acquire knowledge and even
seek degrees like Certified Financial Adviser, to show the public that they are knowledgeable.  All of this effort by the sales representative can be helpful to you with a small part of the puzzle, but they very rarely have all the answers to every part of your financial life.  Have you ever thought about asking a financial adviser about what to do about your overspending? Of course not, they wouldn’t be likely to have much information about how to help you with this, and even if they did, this is not what they’re paid to do. What about how to get out of debt, or to create a passive income from better managing  your own money? They wouldn’t know the first place to start helping you with these important matters.  Where they can sometimes help is in what to do with extra money you have created, but that’s really where their “advising” ends.    

Here is the real difference between a coach and an adviser.  A coach helps you with problems you are having with managing your money and your emotions. People have lots of emotions surrounding money. The products financial advisers sell have very little to do with how to manage emotions and get in control on a grassroots level. They don’t teach you principles of financial management, they only sell tools that can help you once you have money to manage. A coach, on the other hand, offers solutions on how to control spending, get out of all debt, save for retirement, and pay the right amount of taxes. If you don’t have someone who can teach you how to do all of these things (at the same time) then you aren’t getting advice from the right place.

Here is a test question to ask a sales representative to determine if they are an adviser or a coach: “What do you recommend I do?”  Then listen carefully as to how fast they go directly to a product that they think you need.  If they make a specific recommendation they are a financial adviser.  If they say, “Tell me more about what you are trying to accomplish, today and in the near future?”  Then they search out your true feelings and even coach you along these lines before identifying options.  A true coach will strengthen you until you are making good decisions. Once you are making better financial decisions, then you can talk about what to do with your money from there.  

There are huge differences between a coach and an adviser, but it will take some time interviewing and asking questions of these people before you will see  how they approach helping you.  Most likely you will find 1 out of 25 advisers that will serve you like a true coach will.  For true financial coaching without the pushing of products, visit

Stretch Yourself Emotionally Today for a Better Financial Life Tomorrow…

The famed writer, Andre Gide wrote:

“One doesn’t discover new lands without consenting to lose sight of the shore, for a very long time.” 

I love this quote, it is full of pathos but also a lot of hope. To see what I mean, first take a look at the lives of the families who were left behind when their loved ones set sail back in the day on those horrifically risky voyages out on the open ocean. There was no way of knowing if the ship would return. There was no way of knowing what was happening to the people on board the ship during its absence. The amount of stress and worry for these people must have been almost overwhelming. Look at the courage the Pilgrims exhibited to sail across the Atlantic to the Americas. I cannot imagine what it would have been like to bring my wife and children along for this journey not knowing what the end result would be.

Now let’s apply this example of Pilgrim courage in taking some risks to discover a new life by consenting to leave the shore in terms of how you manage your money. 

  • First, you must try new things if you want to handle your money well and most importantly, if you want to keep it. If you’re not willing to get educated and look at new options for spending, paying down debt, and saving, then it’s like staying on the shore and not going anywhere. You will be safe (maybe) in what you do know, but you won’t be able to find any new options that might bring you much better success.
  • Second, if you leave the “port” so to speak for a long time, by learning how to control spending for an extended period of time, paying the price to get out of ALL debt in a short amount of time, and understanding what it takes to save over the long-term, you will find that you can create your own passive income. This will allow you the wonderful opportunity to not only retire wealthy, but have the means to help others as well. When we have passive income we are truly free! The more options that come into play, the more excitement comes to our lives.
  • Third, financially you can set sail by holding yourself accountable weekly as to how you are spending the money you have earned.  This is hard to do, at least emotionally, much as it would be to leave home and family to sail to the New World, but it opens up all kinds of new options you have never dreamt of before. This is the hard part of “losing sight of the shore, for a very long time.”   As you build a spending plan, examining the last 12 months of how you spent money, then share this detail with your spouse, you will be amazed at what you learn about yourself… what you value, what your real priorities are, and what you want to change NOW!  You will become totally transparent to yourself and your partner and this of course will make you very vulnerable. However, with the vulnerability comes opportunities financially that are not possible when you are closed off to your true self when it comes to spending, borrowing, and saving money. Remember, as long as the ship is in the port, it is safe, but as they say, that is not what ships were built for.

Building a spending plan, a debt plan, and a retirement/savings plan with yourself and/or your partner is the best way I know of to test your ability to discover “new lands” financially that are not possible playing it safe on the shore. But because they are plans, it is also the safest way I know of to make emotional changes that will positively affect your finances without costing you any more money out of pocket and without risking your family and relationships in the process.

Here’s how to start this process of “leaving the shore to discover new financial lands”:

  1. Create a 12-month history of the way you have spent money.
  2. Divide this spending into categories so you can see what you really value. Will you be surprised at how important eating out has become to you, or that you spent $1,000 in one year on spa treatments?  Maybe that’s important to you, but if you really didn’t want to spend all that money at McDonalds then it’s time to make change. WOW! This can be so hard as you face the future knowing how inefficient you have been with your money.
  3. Make a spending plan for how you want and need to spend money over the next 12 months. This is where the voyage gets more exciting and feels less risky.
  4. Track how you spend money so you can stay on track. Compare how you actually spent with how you planned to spend and make adjustments.

The Pilgrims left England not knowing what would become of them.  The result of their courage is what you and I enjoy today.  We enjoy the freedoms and liberties to travel as we wish, with one currency, along with the rule of law and order.  Amazing is the sacrifice of our forefathers so we could have it easy.  Don’t blow all that opportunity by refusing to stretch yourself emotionally when it comes to proper financial management.  I ask you to stretch yourself today, do the hard things today so you and your family will be far better off in the future.

Stay Tethered While Still Soaring with a Proper Spending Plan…

What do kite-flying and personal finances have in common? To answer that question, you must first ask another: While flying a kite, what keeps it in the air?  The string, of course.  If you cut the string, the kite will flutter downward to the ground.  Without the string, nothing holds the kite at the right angle to catch the wind to keep it flying safely in the sky.

Similarly, when you establish a spending plan (or some people like to call it a budget but they really are two different things) you might think you are tying yourself down to a certain amount of money you can spend.  This is restriction!  But if you just spend as you wish, without tracking your spending to see what you really value and where your true spending priorities are, then it’s like cutting the string to the kite… you will financially flutter down to the ground.

But what about those darned restrictions? With a true spending plan (not a budget), like the plan we teach our clients how to build at Money Mastery, there is a way to have more freedom within the plan than a plain old budget allows. This is like letting out more string when flying a kite — as you do so, the kite soars higher but it is still tied down so that it does not come crashing to the earth.

Tethering yourself to some kind of plan makes it possible for you to spread your wings, all while remaining in control. I have included the following words from the song “Let’s Go Fly a Kite,” from the classic Disney movie Mary Poppins, as a motivation to help you feel inspired to build a proper spending plan:

Let’s Go Fly a Kite

With tuppence for paper and strings
You can have your own set of wings
With your feet on the ground, you’re a bird in flight
With your fist holding tight
To the string of your kite

Oh, let’s go fly a kite
Up to the highest height
Let’s go fly a kite and send it soaring
Up through the atmosphere
Up where the air is clear

Oh, let’s go fly a kite!

I hope you will allow the words to sink in as you realize the power that comes from disciplining yourself to be grounded firmly to a plan. Visit to get more information about how to create a spending plan that will let you control your spending,  while still allowing you the freedom to have the things you want without going over.

Why Money is Emotional, Not Mathematical and Why You Need to Understand the Difference

The best way to discover medicines that will cure an illness is to approach the problem mathematically.  Scientists take all known parts of the disease and quantify it into numbers and analyze what would happen if  one change were made. Math allows testing on paper first, then for real-world testing, adjusting for what is learned in reality.  Consider the scientists who have applied mathematics to all the life-saving vaccines we now have, or in what they are doing to combat heart disease and diabetes.

And what about space travel… consider the scientists and mathematicians who planned the entire trip in a rocket to the moon and back to earth safely in 1969. A new movie just out called “The Hidden Figures” explains how this trip was possible through the brains, talent, and skill of engineers and mathematicians plotting everything in numbers first that would be needed to make the trip safely in reality. Once they had tested it mathematically on paper, NASA felt it safe to send astronauts into space and return them through a landing in the ocean within a radius of less then 10 miles of the projected landing site. The numbers were what allowed them to know where ships would need to be to pick up the astronauts. The numbers were what allowed men to land on the moon and come home again.

The same trust in numbers can be applied to your finances… when it comes to your income and expenses math will never let you down in terms of telling you the truth about whether the amount of money you have coming in will cover the amount of money you spend.  Numbers are unemotional.  The numbers give us the hard, cold facts about the way we have spent money but that’s where their usefulness ends. Once we see the numbers on paper, we have a choice about what to do with them. They can’t just remain a number that has no emotional baring on what happens to us going forward. We must make a choice about what those numbers mean to us and what we plan to do differently in the future to change those numbers going forward, especially if we are very unsatisfied with what they show to us about our spending and debt.

At Money Mastery we teach that money/spending is emotional, not mathematical. If spending were simply a mathematical problem (i.e. you bring in X amount of money, you spend that amount of money and no more) then overspending would never be a problem. But since spending has so many more factors tied to it than just how much you bring in and how much you expend out, you must have a system for managing it that goes beyond the numbers.  However, it is very important to remember that there is no way to create this system of emotional management without first turning to the numbers for a baseline. They do not lie and you must face them if you want to make good decisions going forward about how your money will be used.

Here’s are some of the ways money is emotional:

  • Many people put off adding up income and expenses just so they don’t have to face the awful truth about how much they overspend.  This is called emotional avoidance and we apply it so many places in our lives, including on our finances.
  • Some people don’t want to face how much they have spent in a particular category, horrified, for example, about finding out through the math that they value fast food more than they value getting out of debt or saving for emergencies. The emotion many people tie to this realization is regret over irresponsibility.
  • Some people like to blame others for their financial trouble. This is called emotional immaturity. Instead of facing the fact that they have no idea what is  happening to their money they blame an employer for not paying them enough, a spouse who spends too much money, or bad health or misfortunes that they couldn’t possibly foreseen on their money problems.

If you are playing any of these emotional games, now is the time to get off this emotional roller coaster and get back to the numbers that will take the emotionality out of money and spending and give you a system you need to stay on top of emotional events that are bound to happen to you.

To do this, I recommend the following:  

  1. Create a 12-month history of how you have spent money.
  2. Put all that spending into categories and total up how much you have spent in each category.
  3. Review what you don’t like about the way you have spent in the past.
  4. Create a spending plan with specific categories that will allow you to spend more in some areas than others based on what you value most but will keep you from going over.
  5. Track your spending (by categories) for 30 days according to that plan, then compare how you spent with the way you planned to spend. Make adjustments as necessary and then try to stick to spending within your plan as closely as you can for the next 30 days.
  6. Create a debt plan so you can see just how much you owe, how long it will take you to pay it off if you don’t apply debt elimination techniques now, and begin tackling the first debt on your list.
  7. Lastly, calculate how much money you will have available to you at about age 68 and prove to yourself whether you will have enough money to take care of yourself in old age or not. NASA could never  have gotten the astronauts to the moon and back if they had not calculated how much rocket fuel was needed to do so. This was an unemotional exercise: Figure out how many miles to the moon and back and how much fuel would be consumed by the craft and determine the amount needed. The same applies to you when it comes to retirement: Determine what retirement means to you, how far away you are from reaching it, and how much money you will be consuming now and into retirement. This will tell you how much you need to have to start building a future that will be fun and exciting rather than scary and debilitating.

You have an opportunity to check your numbers quite easily with the Money Mastery online software.  Take the emotions out of your daily life by easily creating spending, debt, and savings/retirement plans using these tools.  You are only three months away from dramatically changing your financial life for the better. Rather than being scared of the numbers, use them to help you create a base from where you can then fix problems, alter your course, and get to your destination safely and on time.

Do You Wash a Rental Car Before You Return It?

Whenever I have rented a car, I have never considered taking it through the car wash before I return it.  Why would I do that?  I don’t own the car, I only want to use it briefly.

When we don’t own something, we don’t take much interest in it.  So I ask, “How many people own their spending?”  Own it means being committed to it, spending money according to a plan, not deviating from the spending plan, and so forth. 

We may feel a need to have a “budget” (budgets don’t work by the way) and limit our spending to what is most important, but if we don’t have a real plan for how we need and want to spend, or in other words if we don’t “own” our spending, we will ultimately always overspend.

I challenge you to set a goal in the new year to “own” your spending.  That means:

  1. Make a spending plan (which implies writing it down)
  2. Post the plan where you can see it.
  3. Track your spending according to the plan.
  4. Review the plan every day.
  5. Make adjustments to your spending plan based on problems you see arise, but stick to the basic plan for a month and see what happens to your life.

You are the owner of your money and the way you spend it.  I urge you not to treat it like a car rental as if it’s someone else’s business to take care of.  Bring it home, take care of it, and use it daily with care.

Statistics Will Most Likely Determine How Well You Play the Financial Game…

If someone didn’t track the numbers LeBron James posts every week, do you think he would be making millions of dollars playing basketball? Of course not.  Isn’t it true that every player gets paid according to how well they average at these numbers?

Take a look at some of these stats:

It’s fun to watch elite athletes doing amazing things we can only dream of!  Wouldn’t it be equally fun to watch your own amazing numbers in terms of your financial abilities? Those who are doing great things with their finances are seeing some amazing opportunities present themselves, just like these star athletes, things like seeing their savings grow exponentially due to compounding interest, eliminating all debt including their mortgage in a short amount of time, and having the cash flow to invest in real estate that can make them more money. The truth of the matter is, just like professional athletes who are paid based on their numbers, you will “get paid” by how well you do the following:

  • Save money each month, and not go into further debt.
  • Pay off debts each month.
  • Manage emergencies that arise.
  • Provide fun activities for your family that you don’t put on a credit card.
  • Prepare for retirement.
  • Lower your taxes.

To take the sports analogy a little further, let’s suppose the following:

If you don’t track how you’re doing in these areas, you will fail financially and be “kicked off the team” so to speak.

If you don’t track your money and end up not performing well in your own personal financial game, you may be substituted out, or traded.  In a marriage, this is called a divorce and it is expensive!

Just as in sports, if you get mad and throw a fit, you can be charged with a penalty during play. In your financial life, this is called getting into arguments with your spouse or partner over money and it causes real harm to relationships.

If you run off the court while your financial game is being played, you end up out of bounds with your money. This is called debt in the game of life and it means you end up turning your money over to others to make them more money while you go broke.

If you don’t have the right equipment, you can slip and fall, even get injured and have to sit out of the game. In your own personal financial life, this is called not being prepared for retirement or having to go into long-term care without having any way of paying for it.

So many similarities exist with regard to playing sports and playing your financial games.  It’s always best to get a coach and and learn how to practice playing properly with their help than it is to go it alone.

For more information about a financial coach (as opposed to financial advisor) visit Or contact me: for a no cost discussion.