Summer Solstice

Today’s the longest and, to date, the hottest day of the year – welcome to summer! How about cooling off in Flagstaff? Why Flagstaff? We’re expanding our 3rd DecadeTM program from Tucson and Tempe to include Flagstaff! Know anyone who would be interested? Here are the...

“Compulsory Pension Scheme”

Doesn’t that sound somehow better than “retirement plan?” We’re just back from the UK where I picked up a local paper at the airport. The iNews Money column responded to a person dissatisfied with his pension scheme which he described as “extremely poor value for the...

Who’s to Blame?

I was sent to the principal’s office in the sixth grade – my skirt was too short. On the ride home, my mother alternated her anger between me and the school. I found that confusing but today I feel the same way about the cost of a college education. I get it now – she...

The Cart before the Horse

This is a touchy subject. In our 3rd DecadeTM program we recommend building a nest egg before tackling other life events like buying a house, getting married and having children. We’re careful to recognize that’s not everyone’s reality. I think back to a participant...
Nature versus Nurture

Nature versus Nurture

Remember the Marshmallow Test? Are the results different if the kids are from Cameroon, a country in Central Africa, instead of the offspring of Stanford University professors? I talk about the Marshmallow Test in my presentations. Developed in the 60’s by Dr. Walter...