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. 💛✨

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.

This is the perfect time to reset. I don’t mean with lots of resolutions and potential empty promises to yourself. But rather through education, empowerment and automation. We all have our taxes to think about next, so now is a great time to learn more about tax engineering, compound interest, different accounts available to you and ways to save better, budgeting, and finally choosing to have your money work hard for you. So you don’t have to spend the rest of your life working hard for money! If you’re even a little bit curious, I encourage you to ask about our free classes and education! Oh, and don’t forget to also invest in yourself with a complimentary financial needs analysis. Why not choose to take a chance on yourself?

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?

Of the four options below, what is your number one priority as a small business owner? If you aren't a small business owner, but hope to be one day, what would you say is most important for the success of your future business? Comprehensive Planning for your business: Here is a list of some areas that may have been ignored or unprioritized in the past but really SHOULDN'T be ignored. ☑️Business Preservation ☑️Wealth Accumulation ☑️Estate Planning ☑️Executive Benefits ☑️Business Transition Planning Here are some questions for thought: ✅What if you can not only strengthen your employees loyalty, but also support your own personal long-term business goals at the same time? ✅Would you want to learn more about how? ✅What is your 4+ month plan? ✅Are you protected and able to pay your bills long-term if you get injured or sick and cannot work for an extended period of time? ✅Will your business survive if you or a major key player on your team is out of commission? In the comments below, tell us about your business and where you feel like you struggle the most? What you would be most interested in learning more about? ~Additional information to be provided and discussed in Small Business Owners Part 2.