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Why Budgets and Budgeting Don’t Work

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Budgeting Does Not Work!  Rethinking Spending: The Cash Flow Approach When I first started in the financial business, we were taught that helping clients determine their budget was beneficial to them reaching their financial goals.  I’ve seen firsthand the cringe that the word “budget” can elicit. It’s like the word “diet”—immediately, one imagines restrictions, limitations, […]

Should You DIY Your Financial Planning?

My TED Talk on DIY Financial Planning   I was recently asked to speak on whether I thought a person could create an effective Do-It-Yourself (DIY) financial plan or is it necessary to hire a professional to help in this important area of their lives. I welcomed the opportunity to share my T.E.D. talk on […]