Money management is a vital skill for everyone, but it can sometimes feel overwhelming. The 80-10-10 rule is a simple guideline that can help you manage your finances effectively. This rule focuses on dividing your income into three parts: 80% for living expenses, 10% for savings, and 10% for giving. Let’s dive deeper into this … Read more
“You Can’t Always Get What You Want” is a famous song by the Rolling Stones. This song speaks to the difference between desire and need. Sometimes, when you’re chasing something you think you need, life can be tough. But in the end, you often find you get what you actually need. This idea is central … Read more
Personal finance is about managing your money wisely to achieve financial security and reach your goals. This involves budgeting, saving, investing, and planning for the future. David and I believe that this means making sure that your money goes where you need it to go, not wasted on non-essentials. Many people turn to financial planners … Read more
Have you heard the term annuity and wondered what it is or how it works? Could it be right for you? Let’s break it down simply and clearly. What is an Annuity? An annuity is a contract between you and a financial institution, often a life insurance company. You give them money, and in return, … Read more
Social Boundaries Money has a way of breaking people into classes and throughout history we have always had a class system in our society. In our modern society we often talk about where the majority of people spend their lives – the middle class. This is merely the middle ground between two extremes; the poor … Read more
Have you ever wondered why some people seem to be natural wizards at money management while others struggle just to make ends meet? Is there some special gene required to be successful with money? I’ve found that virtually anyone can successfully manage their money, live sensibly for today while saving for the future, and achieve … Read more
