No margin, no wealth. A simple formula that can change your financial life is this: income minus expenses equals margin. Most people have little to no margin in their budget. As a result, they do not have money left over to save or invest. The wealth is in the margin. Living paycheck to paycheck keeps a person in survival mode, and survival mode does not allow someone to think long term. For example, Father Time is undefeated. You will not be able to work forever. So what are

We are almost through the first quarter of 2026, and you still may not know where to start regarding your finances. That changes today. Here are four money moves you should make as soon as possible. 1. Update Your Resume When was the last time you updated your resume? If you cannot remember, it is time. Your resume should be organized, clearly articulate your skills, and highlight your experience and accomplishments. It is your representative. A potential employer sees your r

A dollar saved today is freedom tomorrow. Living below your means is a simple concept, but it is something many people get wrong. Let me be clear. I was guilty of this in the past. After years of overextending myself financially, it finally caught up to me. In 2017, my wife and I went through a family emergency. We did not have an emergency fund. We hit the ground hard. In the middle of that crisis, I barely knew which way was up. I did think about all the money we had wasted

Establish a Written Budget Establishing a household budget is imperative, as it provides clarity regarding your financial standing....

As a Financial Coach, I often find myself mistaken for a Financial Advisor. This confusion is understandable, as the term "Financial"...

It's now 2025, and you said you would organize your financial affairs in 2024. Well, what happened? 2024 came and went; however, you did...

When was the last time you went on a date with your money? The purpose of a first date or multiple dates is to get to know a person. The...

I know what you are thinking. "Who are you to tell me I don't deserve a vacation?" Before you tune me out, let me explain. Millions of...

Life is about choices. You can choose to live check-to-check or you can choose to build wealth. It's hard living check-to-check. It's...

I'm sure you have heard this before "apply for student loans, get a good job, and pay it back when you graduate."Does that sound...

David Bach said it best "you don't need more money, you need new habits." As a Financial Coach, my job is to teach my clients how to...

Whether you are trying to pay off debt, save for a house, car, or retirement, a budget is the foundation for your financial success. My...