When it comes to your money, how much risk can you tolerate? 🔴Are you someone who likes to put your money in super high risk stocks, were you can lost a LOT if the market crashes? 🟢Or do you prefer to have so much protection, that your money is locked into a CD (certificate of deposit with the banks) where it is guaranteed at a lower, fixed interest rate for a guaranteed amount of time? 🟡Or do you fall somewhere in between those two extremes? Keep in mind your risk tolerance can change over time. It is good to reassess at different stages in your life to make sure you and your finances are well aligned. Once you are able to answer these questions, and have a good understanding of where you fall along a Risk Tolerance timeline, you are then able to choose the right types of accounts to grow your money. We can help you choose the account that best matches your risk preference. Want more education on these types of accounts? Just ask! We offer free financial assessments.

What if I told you that for every 💸 five dollar bill you gave me; I'd give you twenty dollars back? How many would you give me? Would you run to the bank and remove all the money in your checking account and have them cash it out in $5 bills? I think most of us would!! Well, what if you had to wait sixteen years to get your money back? Now that we are 3 days into 2026, let's make this year the example in this scenario. Let's say you have all of 2026 to give me as MANY $5 bills as you want, and in 2042, 16 years from now, you will get back $20 for every $5 bill you invest now. Would you still empty out all of your savings? Maybe you would need to strategize a little better... but how much money would you dedicate to this investment? Let's say you get paid every week, and you decide to invest $20 from every paycheck you receive. ☑️$20 x 52 (weeks) = $1,040 sixteen years later, you would receive $4,160. Not bad... but what if you could do more? You may have to give up that daily Starbucks run, or maybe cut going out to that fancy restaurant or meeting your friends for cocktails one night a week... But what if you were able to put away $300 a month instead? ☑️$300 x 12 (months) = $3,600 sixteen years later, you would receive $14,400. What if you did this every year, for the next 10 years, and each year, that same money could continue to grow for an additional sixteen years? Hey, if you've already changed your daily habits to incorporate monthly savings for one whole year, then why not keep it up?! By doing this, you are now able to save up and grow over $300,000! And all because you chose to save $75 a week, instead of going out to eat and spending that same $75 bucks. Many people say they would love to have such an opportunity. To have this money grow while they're sleeping, playing, hanging with family or friends, working, vacationing, etc. What if each and every one of us DOES have this opportunity? We just need education on where to save, and how to save so that our money can compound and grow interest.

Let me tell you something that happened the other day… I was talking to someone who said, “If I could just make a little more money, everything would finally calm down.” Sound familiar?I smiled because — whew — I used to believe the exact same thing. But here’s the truth I had to face (and it wasn’t cute):It wasn’t about making more.It was about learning how to grow what I already had… and stop letting money boss me around like a bad toddler with a juice box. The real shift happened the moment I stopped asking,“Why don’t I have enough?”and started asking,“What could my money become if I treated it like a seed instead of a bill-payer?” 🌱 Seeds grow.⚠️ Bills just repeat.Big difference. So here’s my question for you — and I genuinely want to hear your answers: 👉 What’s ONE money lesson you learned the hard way… that ended up growing you the most? Drop it below ⬇️Your story might be the thing someone else needed today. And if you read this thinking, “Yeah… I’m ready for my money to stop stressing me out and start working FOR me,” say ME and I’ll reach out. Let’s grow together. 💛✨

Saw an interesting article this morning about predictions for Black Friday. Overall, shoppers expect to spend 4% less than last year. But the interesting numbers were in the breakdown by income. Households making 50,000 are expected to cut black Friday spending by 12%, while households earning $200,000 or more are expected to cut spending by 18%. Conventional wisdom would say the people who make less would be cutting more as the economy tightens. But it’s the higher wage earners who are reducing spending at higher percentages. It could be that higher wage earners are cutting out the extras, where lower wage earners use Black Friday as an opportunity to save on necessities. But during the recession I saw a phenomenon that I call “perceived poverty,” where donors with literally millions of dollars in the bank felt they couldn’t make a charitable contribution to my organization because they were “broke.” Anyways, this is fascinating to me. Why do you think higher wage runners are cutting back more?

With this being the big “shopping weekend” I like to ask how you budget or plan for how you spend over the week of Thanksgiving? Many people talk about not having money over the holidays, but how are they preparing for it? Is it worked into the annual or monthly budget? Should it be? 🍲🍗First, people often spend more on food with Thanksgiving; many travel to be with loved ones for the holiday too. 🛍️Then there is Black Friday shopping (which now seems to fall over more than a week somehow). 🎁And finally, we have cyber Monday, and giving Tuesday! Did I miss anything? If you are interested in a free financial needs analysis to assess your budget, let us know. You can be scheduled with a licensed financial professional for a complimentary assessment.