financial planning

  • 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

  • Social Security and Retirement

    There are so many people who put off thinking about saving for retirement believing they will “catch up later”. It doesn’t seem so urgent when it’s decades away. And it always feels like there is time to do something about it, until there isn’t. Social Security was designed to help prevent poverty for people who Read more

  • Rolling Funds (A.K.A Sinking Funds)

    Some expenses don’t happen on a monthly basis. They might be something that is needed every few months or even less often. If you buy certain things in bulk, such as toilet paper or paper towels, you might only buy them every other month, or every few months. Other examples might be things like insurance Read more

  • Budgeting

    Most people associate the word budget with a negative thought. They find the word restricting. They hear it and the cringe. But that’s not what a budget is. Living on a budget is about living within your means. It’s about you being in control. A budget doesn’t mean you don’t have any money. It means Read more