Wise Money: 5 Lessons from 100 Financial Lives
Quote to Ponder
“That what each of us calls our 'necessary expenses' will always grow to equal our incomes unless we protest to the contrary.”
- George Cason with insight on the entropy of lifestyle creep
Recommended Links
- Tune Out the Noise | Documentary Film - Dimensional Fund Advisors on YouTube
- Is International Diversification Finally Working? - A Wealth of Common Sense
- 30 Charts That Show How Covid Changed Everything - The New York Times on Instagram
- 15 Funds That Have Lost the Most Value for Shareholders Over the Past Decade - Morning Star
- Why Trend Following is Harder Than it Looks - Of Dollars and Data
What I Love About Being a Financial Planner
My answer might surprise you.
You might expect me to say it's because I love helping people—and I do. But that's not the reason I love this job.
It's that I get to live a hundred lives.
You only live one financial life. But a financial planner lives a hundred. Every time I meet a new client, I see the culmination of the financial decisions they've made—what worked, what didn't, and what they value most. And when I've worked with someone for years, I get to witness how thoughtful decisions made over time create incredible outcomes.
I've walked with people through promotions, retirements, vacation homes, and new ventures—and also through divorce, accidents, and loss. I've seen how different people—with different values, goals, and fears—try to work it all out.
And through all of it, you gain something you can't find in any textbook: wisdom.
That's what I love most. The wisdom you earn by walking alongside people through the most meaningful parts of life—the parts where money and life intersect.
5 Lessons from 100 Financial Lives
After walking with and through so many different financial situations, here are 5 insights I’ve gained:
- True wealth is measured in freedom, not figures
The clients who find the most fulfillment aren't necessarily those with the largest portfolios, but those who've created the freedom to spend their time and resources on what deeply matters to them. - The best financial decisions emerge from clarity about personal values
When people align their spending and saving with their core values, money becomes a source of satisfaction rather than stress. Financial plans succeed when they're built on a foundation of what truly matters to you. - Small, consistent actions create life-changing outcomes
I've seen modest, regular investments outperform sporadic large ones time and again. The magic isn't in timing the market perfectly—it's in giving your money time in the market. - Flexibility often outweighs optimization
The families who weather financial storms best aren't those with the most sophisticated strategies, but those who build resilience and adaptability into their plans. Life rarely follows a straight line, and neither should your financial approach. - Financial decisions are rarely just financial
Behind every major money choice lie personal histories, family dynamics, and deeply held beliefs. Acknowledging these emotional dimensions leads to better decisions than pretending money is purely rational.
Being Your Financial Biographer
When we work together, I'm not just managing your investments or creating tax strategies. I'm helping you write your financial biography—a story that reflects who you are and what matters most to you.
That's why I take the time to understand not just your assets, but your aspirations. Not just your income, but your intentions.
Because ultimately, money is just a tool.
The real question is: what story do you want it to help you tell?