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going the distance: the key to long-term financial success

“Financial success doesn’t happen overnight, but is the product of years of work.” That kind of pithy saying is obvious almost to the point of being painful, so why point it out? Well, I wouldn’t bother, except for the fact that most people don’t actually act on it; they don’t seem to know what thinking in the long term actually means. So let’s get into specifics, shall we? Spending trends are more important than events. Did you spend more than you earned in November? Who cares? What matters is, are you spending more than you earn over time? One month isn’t going to make or break you; what matters is the long-term trend. Does your spending go up faster than your income? When you get a raise,

self-compassion over self-esteem (in finances and beyond)

Many of us born after a certain year have had “self-esteem” drilled into us since we were children. “Good job!” is still ringing in our ears after the innumerable times it was said to us — to the point where the words have almost become meaningless. And why not? Confidence seems to be the underpinning of almost every form of success, even more so than intellectual ability, and the best way to build confidence in someone is to continually tell them how awesome they are, right? Wrong. Per the book by Dr. Kristin Neff of our very own University of Texas, this is more like “stuffing ourselves with candy.” We get a brief “high” of increased self-worth…which then crashes in despair when reality t

5-Minute Financial Scorecard

Whether you’re intentional about it or not, you’re using a set of financial strategies. How much benefit are you reaping from them -- and how much more could they be making? Answer a few questions and find out how optimized your financial strategies are!

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