Pick up your copy here! If you don't mind, also review it! Amazon reviews are super helpful to self-published authors. They help us stay relevant in search results.

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Rushing a later step before you're ready can be a mistake. Who really cares about what % of return you're getting if you can't even save?

More details on these same steps in my book, Achieving Accumulation, released last month!

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Planning helps you prioritize. Make your dollars line up with your values - your build, not someone else's.

(Forgive the silly canva illustration, it was fun to make though!)

earning potential throughout your life, because you won't live forever.

Much like you can dump all your skill points into HP in one build and Magic the next, you can spend all your money on fun stuff or spend too much on the boring stuff.

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They enable you to get a quick average of your spending and make adjustments to your future spending based off of that. You can even do things like set alerts and get notified when you’re spending above your targets. I wrote more about it in Achieving Accumulation! Check it out now on Amazon.

If you're looking for help building your financial foundation, please check out Achieving Accumulation! I published this book at the end of last month to help readers master the basic strats that make up any financial plan.

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the number one thing that I work with clients on. "What do we need to save today in order to be okay?" The subtext is "So that we can spend everything else."

And that's fair. We earn money to provide for ourselves - needs, joy, experiences, and things.

So - how do you define success in finance?

Any TTRPG session that ends with a resounding defeat that the players have to recover from is a great one. It's all about future character growth, right?

I have so many clients who hate their student loan servicers for this reason. It sucks that they have changed like 5 times in the last 5 years too. No way to get a consistent read on how they work.

I know this is just a venting post, but if you need to chat about them let me know.

I hope you all are having a good week and don't need these extreme options. If you ever do, know you can reach out to me for a list of alternatives if they exist.

I know that one of the only feelings worse than calling to get a payday loan has to be calling twice.

I wish these folks well and hope they find another solution, but I know the economy is not serving folks well right now because I'm getting these calls on a Friday morning.

I can often track how people are doing financially throughout a year by how frequent the "wrong number" calls to my firm are. These are people seeking payday loans, meaning that they are in dire straits. I always feel bad to tell them its the wrong number, because

The * was because taxes are a necessary evil. They do suck to pay individually, but collectively they give us the funds to run a country!

set aside. If you're having trouble finding money to set aside, you should instead check out my new book: Achieving Accumulation. The tips in it will help you accumulate money and it's a quick read!

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taxable brokerage account if you can. Gains are only taxed at 15% for most people and a maximum of 20%. Losses can offset gains if it's particularly helpful in a year. Taxable brokerage accounts are actually great tax savings tools!

All of these tax savings tips come after you have some money to

come with an HSA add-on. The account gives you a tax deduction when you contribute, can be invested, and can be used for medical expenses indefinitely. Hint: You can also pay for expenses outside of an HSA, save your receipts, and reimburse yourself later!

3) Utilize gains and losses in your

1) Correctly evaluate Roth vs. Pre-Tax dollars. When you're in lower earning years, consider contributing to or converting to Roth accounts. When you're in your peak earning years (often 40s/50s) consider contributing pre-tax.

2) Contribute the max to an HSA if you can. High-deductible health plans