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  • FI – Financial Independence

    What does financial independence mean to you? Is it a number? A time frame? What is financially independent? What does it look like? These are questions I never really asked myself before until recently. Early this year I reached out to a friend whose advice I value about some financial choices I was weighing at Read more

  • Financial Responsibility in Recovery: Beyond Sobriety

    What comes to mind when you think of the Recovery Community? What kind of people do you think of? Addicts? Alcoholics? Homeless people? People from dysfunctional families? Broken families? People with criminal backgrounds? What about the word recovery? Does it bring to mind 12-step programs like Alcoholics Anonymous, Narcotics Anonymous, or any of the other Read more

  • Renting vs. Owning: Making Informed Decisions for Your Future

    After a handful of years working very hard to repair rebuild my credit, a whole new adulting idea came to mind. The thought of owning my own home. I made a call to a realtor last year and made it very clear that I wasn’t ready to buy, but that I wanted to gather information Read more

  • Credit Repair – Negative Items

    Using credit wisely is the best way to avoid the need to “repair” credit. But for many of us, this lesson is learned the hard way long after our credit reports show a multitude of late payments and even collections. We find ourselves with an attitude of acceptance that our credit is just “ruined” and Read more

  • Investment Options: Individual Stocks, Mutual Funds, and Index Funds

    Any time you put money aside, you are making an investment in your future. That may be in the form of saving for a future purchase, a future expense, an emergency fund, a new car, a home, retirement, etc. If you hold that money in cash, it actually loses value because inflation causes the value Read more

  • Retirement – Work Options

    If you don’t want to live on Social Security in your golden years, which we’ve already discussed, is not going to replace your income when you want to retire, you need another plan. What do you want your life to look like when you’re in your 60’s, 70’s, and 80’s? Do you want your standard Read more