The Science of Time

We track the march of time in hours, minutes and seconds without much thought. I start my workday at 8AM, head home for the evening around 5 and so on. Throughout the day I work down my “to do” list. Turns out I could, and probably should, be more scientific about how...

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Where’d it go?

In the budgeting world, it’s called leakage – the difference between what you think you spend and what you really spend. Leakage or spending on wants rather than needs typically takes the form of eating out, travel and just plain stuff. In the U.S., 34% of consumers...

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Unmentionables and other clothing items

I’d guess that I do over a hundred budgets a year with clients and they often tell me they don’t spend anything on clothes – I’m not buying it. I’ve been meaning to see just how much the average Joe or Jane does spend so that I can give a little push back and say, “on...

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Cultivate!

Treat yourself this weekend to some of the best originality Tucson has to offer! Cultivate is a pop-up market featuring local designers, makers, independent shops, and artists with an additional mission of cultivating community. Built on the very timely sentiment...

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We don’t know what we don’t know…

But you can find out what you don’t know with just a few clicks. Nearly 25,000 people from all 50 states have completed the National Financial Literacy Test – a 30 question test designed to measure participants’ ability to earn, save and grow their money. The average...

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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...

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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...

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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 their net worth...

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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...

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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....

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Increasing new investors' confidence and lifetime success through financial education.

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