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More Than A Budget

Over the years, I have had many people take that step of faith and walk up to the front of the classroom and cut up ALL of their Credit Cards. Not because they decided to implement a budget, but because they decided that they needed to change the direction of their...

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A Budget is not…

A budget is not a random set of numbers written down on paper or typed in a spreadsheet. A budget is not how much you have left in your checkbook that will get you to the next payday. A budget is not guessing how much you think you might need to get you by till next...

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What’s Your Plan?

Have you ever asked someone what their plan is? Most people will deliver an elaborate plan that will describe their life goals, education goals, professional goals, travel goals and retirement goals. They will talk about what they want to do, the time frame they want...

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What’s Your Retirement Number?

Most people I talk to hope to retire some day. Almost everyone of them gives me an age at which they would like to retire at, but rarely tell me how much they will need in retirement dollars when they retire. Your ability to retire should not be based on age but on...

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Why Do We Overspend?

The reasons why people overspend extends deep into the human psyche. Human psychology is a very complicated subject and one that I am not qualified to even address, but I do know that the way people think about money can be very unhealthy and disastrous in the long...

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Are You Your Biggest Problem?

One of the largest searches on the internet today is "I Need Money Help". In fact, over 70,000,000 people across our globe are searching the internet every month looking for answers. Some of the reasons so many people are searching for help are due to a Lack of...

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DISCLAIMER:  We do not sell any financial products, investments, instruments or endorse any financial service providers.  Financial Navigation (Coaching) is designed to give you accurate and authoritative information with specific regard to the subject matter covered. It is provided with the understanding that the WayPoints Financial Navigator is not engaged in rendering legal, accounting, investment or other licensed professional advice.  Since your situation is fact-dependent, if needed, you must additionally seek the services of an appropriately licensed legal, accounting, investment or other professional.

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