The particular sequence of market returns that you'll enjoy throughout your lifetime starts when you're born, ends when you die, is entirely outside of your control, and, if you're not careful, will heavily influence when you start investing, how you'll do it, and your outlook on life when you turn those investments into income.
Read MoreIf you want to get your spending on food or any other category to line up with your income and goals, you’ll have to spend one of your other resources - your time, your capacity, even your social capital - until it doesn’t feel like a sacrifice anymore.
Read MoreOnce you've already mastered the basics of paying off debt and saving, what are the next steps to take in your financial life? We'll walk through long-term planning to provide the context for how to fit the financial pieces of your life together, that takes into account your individual needs and goals, and will help you make sensible investing decisions.
Read MoreMost of the value in a financial plan (or facelift, or makeover, or what-have-you) is in showing your work, not in the answers themselves. That is, the fact that recommendations are made for you is equally - if not more - important than the fact that recommendations are made at all.
Read MoreMy hope for you this year is that - no matter what your circumstances - you take the time to get really, really clear about what those circumstances actually are, and plan to repeat the process when they change.
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