Spending Fast: Notes from the Field

Our spending patterns are habits and habits can be powerful. One way to break them is to go cold turkey. Below is an account of a married couple who have been through the 3rd Decade™ program and decided to double down on saving, investing and paying off student debt...

Did I hear that right?

A recent radio ad for Cash Call Mortgage exclaimed “Your house is your bank!” Have we learned nothing? Investing in stocks is inherently risky; the same goes for real estate. Values boom and bust and then we quickly forget. To help us remember, here’s a quote from the...

A dollar here, a dollar there

Everett Dirksen, Senate Minority leader in the 60’s, is noted as saying, “A billion here, a billion there, pretty soon, you’re talking real money.” Take off a few zeros and the same is true for you and me. When I’m working with a client to create...

Luck of the Irish

The saying’s origin is disputed. With a history of invasion, starvation and mass emigration, some say it mocks Ireland’s history of adversity. Or it may go back to California Gold Rush days when many fortunes were made by miners who happened to be Irish. It may have...

Creative Disruption

Definition: To expose flaws in a current business model, highlight areas where improvement or changes are needed, and to help inspire adaptation of the business model for future growth…or what Bezos, Dimon and Buffett are bringing to the healthcare market....