A lot of general money advice focuses on the fundamentals. There’s no shortage of tips out there that promise to teach you how to save, budget, spend less, and maybe even make more. This advice is important, and shouldn’t be dismissed. These are like the guardrails of a great financial strategy. You can’t reach major…
Feel Financially Stuck? Here’s Why—and How to Move Forward
As financial planners, we hear all sorts of reasons about why people’s finances are the way they are… especially when they seem financially stuck. People always have a reason, an explanation, or a story. It’s only natural: we need to assign meaning to what happens in our lives. The thing is, when things go our…
How to Better Manage Money with Just Two Simple Rules of Thumb
Personal finance doesn’t need to be overly complicated. Yes, the complexity in your financial life will increase as you build assets and grow wealth—but don’t confuse complex for overly elaborate and impossible to understand. At the end of the day, most of what it takes to reach (and maintain) financial success comes down to some…
Life After Debt: What’s Next After Debt Freedom
One core tenant of building wealth is to gain control over your cash flow. By keeping your expenses in check while growing your income, you create financial power—because that gap between your income and expenses allows you to generate excess cash. If you have debt, that excess is likely going toward repaying your balances right…
How to Be Financially Successful: 3 Things Wealthy People Do Differently Than Everyone Else
Ever wonder what it really takes to become wealthy and financially successful? Assuming you don’t have a very rich relative who leaves you a lot of cash or you’re not on track to be the next Silicon Valley tech startup wunderkind, then you’re probably taking the same path most of the rest of us take:…
Leasing vs Buying a New Car: Which Option Is Best For You?
If you need to buy a new car, you might wonder about the financially optimal way to go: is leasing vs buying a new car better? In the past, the question of leasing vs buying a new car might have had a clearer answer. Buying outright with cash and then owning that car for 10…
What Is a Beneficiary—and Who’s Listed on Your Investment Accounts?
When you opened your first retirement account, you probably didn’t lose sleep over understanding what is a beneficiary, or who you should name when you filled out that account application. Worrying about beneficiaries can feel almost trivial when you’re a newly-minted adult—unmarried, without dependents, and still on your way to building up significant assets. But…
Our Considerations When Financially Preparing for Kids
Are you financially preparing for kids? Starting a family is a big decision – financially and otherwise. There’s a lot to consider when it’s time to make this choice. As a fee only financial planner in Boston who specializes in working with couples in their 30s and 40s, I have a lot of experience talking…
Suffering from Job Burnout? How to Prevent Your Career from Running Your Life
It happens to all of us from time to time. You get down. You feel tired. You’re overworked and overwhelmed. Dealing with work stress is something we all experience — but sometimes that stress devolves into something much worse if it goes on for long enough. If you let your career run your life for…
Money Is a Tool, So Stop Treating It as the Goal
“I want more money.” “I need to save more money.” “I wish I had more money.” I hear these phrases all the time — and I’ve been guilty of saying them myself, too. While it’s natural to think this way about finances, doing so only creates more stress around money. Why? What’s wrong with “more…
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