When it comes to financial success, many people fall into the trap of waiting for the “perfect moment” to start. “I’ll save when I earn more,” or “I’ll invest when the markets feel safer,” are common refrains. But here’s the thing: there’s rarely a perfect moment. Success isn’t built on monumental leaps; it’s built on the foundation of small, consistent actions. Tony Robbins often highlights the power of small steps, reminding us that tiny, intentional changes […]
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The pull of pessimism
Why do pessimistic views often sound so convincing? It’s an interesting phenomenon—when someone warns of an impending financial crash, we perk up, nod solemnly, and give their words the weight of wisdom. But when someone speaks of growth, opportunity, or prosperity, it can come across as naive or overly simplistic. Why is that? As humans, we are wired to pay attention to potential threats—it’s an ancient survival mechanism. In financial planning, this instinct often plays out […]
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The value of your time
When we think about building wealth, running a business, or creating income opportunities, the question of pricing is one we all face. And while it might sound straightforward at first, it’s actually a deeply personal and complex challenge because no two people’s financial situations are exactly alike. Some professionals lean on qualifications and experience to determine how much they charge for their time. Others may focus on the value they provide to their clients or customers, […]
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Healthier benchmarks
WHERE DO YOU ‘THINK’ YOU SHOULD BE? Reflecting on our progress is something we all do, but often without knowing it. Whether we’re aware of it or not, several times a day, we measure ourselves against something or someone—be it our past self, others, or some societal ideal. Whether it’s consciously deciding to check in on our progress, or doing so unconsciously, benchmarks are always being set. These benchmarks could be internal or external, and they […]
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Sign that Will!
A will might not seem like the most exciting thing on your pre-vacation checklist, but it’s arguably one of the most important. Mark Twain once said, “The fear of death follows from the fear of life. A man who lives fully is prepared to die at any time.” It’s a confronting, yet profound reminder that planning for the inevitable is just part of living a well-considered life. And yet, when it comes to writing and signing […]
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Ready for a financial health checkup?
Have you ever noticed how similar financial wellness is to physical health? Just as we visit doctors for regular check-ups, perhaps it’s time for a different kind of examination – one that focuses on your financial health! Let’s step into this unique doctor’s office together. Patient History Do any of these symptoms sound familiar? – Occasional (or frequent) money anxiety – A strong desire for financial certainty – Dreams of a comfortable retirement that seem just […]
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Market folklore or financial facts?
You may not know this, but there is a joke in the investment world that October is the worst month in which to invest. It’s easy to get swept up in the seasonal chatter about how this month is supposedly more dangerous for the markets than others. But before diving into these claims, here are some wise and witty words from Mark Twain: “October: This is one of the peculiarly dangerous months to speculate in stocks. […]
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Once bitten…
When was the last time you worried about being bitten by a shark? Probably not recently, unless you’re an avid surfer. Here’s a fascinating statistic that might make you smile: sharks bite around 70 people annually, while New Yorkers bite approximately 1,600 people each year. Surprising, isn’t it?? This quirky comparison teaches us something profound about how we perceive risk – especially when it comes to our finances. Often, we’re so focused on the dramatic “sharks” […]
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The Snowball vs. The Avalanche
Imagine standing at the base of a snow-covered mountain, looking up at the debt that’s accumulated over the years. It feels overwhelming, doesn’t it? But here’s the good news: you’ve got two powerful tools at your disposal to tackle that mountain – the Debt Snowball and the Debt Avalanche. Let’s explore these methods and see how they can help you reclaim your financial freedom. The Debt Snowball: Small Victories, Big Momentum Picture yourself rolling a small […]
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The C-word
Life has a way of throwing curveballs when we least expect them. One day, everything’s running smoothly – you’re hitting your stride at work, the kids are thriving, and you’ve finally started that healthy eating plan. The next day, a single word changes everything: Cancer. It’s a word that sends shivers down our spines, a diagnosis that none of us ever want to face. But here’s the stark reality – cancer doesn’t discriminate. It doesn’t care […]
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