Make Your Money Stretch Without Robbing Peter to Pay Paul

My dad was the best cash flow expert I knew. He would have money put into his retirement fund, get the company match, remove his contribution and make extra loan payments to get them paid early. There was not enough money at the end of the month, so this was how he made things work for our family of six. … Read More

Do Your Homework: Understanding How 401k Plans Work

When I first started working, my employer offered a 401(k) retirement plan. I didn’t know too much about it other than I could save for retirement, just as the name implied. So, I signed up. Although many workers have access to some type of retirement savings plan through their employer, like me when I started, few truly understand the inner … Read More

To Work, or Not To Work: An Argument for Following Your Passion

“Choose a job you love, and you will never have to work a day in your life.” -Confucius As we head into the Thanksgiving season, I looked back at the times in my life that things were going really well, and the other times when life was handing me lemons. I noticed that when I was working in jobs where … Read More

Happy Benefits Season

As we head into fall, we also run into a string of holiday delight. It begins with a ghoulish Halloween, then family Thanksgiving, the entire six week Christmas run, followed up by the New Year’s hangover and diet resolutions. Despite all the craziness and fun of the season, there’s another date that you should be looking forward to: the start … Read More

The Inverted Bell Curve

I remember when I was a child I thought my parents knew everything there was to know. Anything I asked, they had an answer. Now that I have children of my own, I see that same thing happen. To my kids, I am a wealth of knowledge on how things work in the world. When they ask a question and … Read More


Although you can’t quite tell from the weather, fall is just around the corner! I’m sure you have noticed that it’s hurricane season – that one was obvious. School is back in session, the kids have traded summer camp for homework, leaves are beginning to turn and pumpkin spice you-name-it will soon be available from retailers everywhere. There’s something about … Read More

Could Staying Silent About Your Finances be Costing You a Fortune?

Growing up, I remember my Dad always being concerned about having enough money. My Mom, on the other hand, would buy stuff because it was on ‘sale’. I rarely remember them sitting down to discuss money as my Dad would get so frustrated. When they did discuss money, it never ended well. Granted, we always had food on the table … Read More

The Power and Beauty of a Maintenance Fund

Have you ever started a workout regimen after a few weeks, months, or even years (no judgement here…) of little-to-no physical activity? How did you feel? Tired, sore, and ready to give up, right? I know, because I’ve been there more times than I care to count! Funny thing, though. After a few weeks of getting back into a routine, I … Read More

Long-Term Care vs. Critical Illness Insurance: What You Need to Know

Many of you know that my Dad was on Hospice care for six years before he died. He had COPD and all his mental faculties were intact, so he was able to live at home where he was comfortable — which was of the utmost importance to those of us close to him. Even with the Hospice care, we supplemented … Read More

It Could Be Worse…

Have you ever had a day when, from the moment you wake up to the time you lay down for bed, everything just seems to be off? Kinda like the planet is conspiring against you in hopes that you’ll have the worst day possible? Of course, we’ve all been there! To make matters worse, when you try to convey your feelings about … Read More