CATEGORY
Over the coming months, we are going to transition Mindful Money’s digital financial education resources toward a Dana model. This will include the modules in our Lifestage Courses, the Mindful Money 360 Course, the DIY Financial Plan Course, and ultimately much of the financial education we have spent years developing.
There will no longer be a required price standing between you and this education.
But I don’t want to call it free.
...We live in an age obsessed with outcomes.
That part isn’t new… but the intensity of it is.
I see it every day in my work. A client walks in and asks, “What should I do right now?” What they really mean is, how do I get the result I want as quickly as possible?
...In the first article of this series, I described the only three retirement outcomes that exist. In the second, I explored the most painful of them—running out of money before you run out of life, a failure born not of bad luck but of misaligned decisions around saving, equity ownership, and spending.
This article is about the second outcome.
It’s the one most successful retirements occupy.
It’s the one that works most of the time.
And it’s the one that quietly demands the most humility.
...After nearly thirty years in the business of retirement income planning, I’ve learned something that surprises people when they hear it plainly: There are only three possible retirement outcomes.
Not three hundred. Not one for every market forecast or economic regime. Not one for each new financial product or political headline. Just three.
...Thank you for a wonderful conversation, Elisa. ABOUT THE EPISODE What advice has value? Do you know why you seek advice? Perhaps some of the advice we get, especially in the financial industry, may not be accurate. There is so much that we don’t know. Predicting the future is a tough thing. Perhaps predictions are …
What defines an excellent financial advisor? If you asked five different people, you’d likely get five different answers. However, when you ask thousands of people, clear trends emerge. Much like Dimensional Fund’s survey of 19,000 investors, these shared attributes give us a pretty clear idea of what separates a truly effective advisor from the rest. …
When we are little, all our worldly possessions fit inside a single box. As we grow up, we acquire more things… and need more boxes. As we complete our educations and launch into our careers, we begin a march towards ever-increasing financial complexity… And we continue to need more boxes. At some point, you may …
Inflation is a reality we can’t ignore, but we don’t have to let it derail our financial goals. If you’ve read these missives for a while, you know I always come back to the same principles: intentionality, awareness, and long-term thinking. While inflation makes things more expensive, it’s our plan and the implementation of that …
Here we are, again, in the midst of market turbulence… As a reminder, the average annual peak-to-trough decline in the S&P 500 is nearly 15%. This means that every year the market drops at some point (from a high point to a low point within the year) by an average of 15% – some years …
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