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Providing Helpful ResourcesA Healthy Cash Flow Planning Sequence
Most people have no idea how to develop or even begin to develop a healthy cash flow plan. A well developed plan will allocate every dollar of income towards multiple expense categories. Expenses can be personal necessities, taxes, discretionary items, debt, gifting,...
What is the Rule of 72?
The 'Rule of 72' is a simplified way to determine how long an investment will take to double, given a fixed annual rate of interest. By dividing 72 by the annual rate of return, investors can get a rough estimate of how many years it will take for the initial...
Financial Absolute Truths
Say you’re 25 years old and you put $500 in a mutual fund that earns 8% a year, then you add just $100 each month. You would wind up with more than $335,000 by the time you’re 65. But if you wait until you’re 35, invest $2,500 (five times as much as above) and then...
Budget Polysemes
In the six years I've been guiding people along their Financial Journey, I've heard a dozen interpretations for the definition of the word "Budget". Not many have been able to nail down the true definition and proper use of a personal budget. Here are some of the...
Don’t base your security in Material Possessions
Many people are in financial debt today because they are trying to find their security, identity and esteem in material things. So they end up buying things that they don’t need to impress people who really don’t care! This erroneous mindset leads to the destructive...
American Debt Journey
I want to take you on a Financial Journey of an average American with their lifecycle of debt. As shocking as it sounds, many High School students are already being inducted into the Hall Of Debt Fame by their parents who are authorizing them to apply for, carry and...