How Much Do You Have to Save to Retire Early?

“The best time to start thinking about retirement is before your boss does.” –Anonymous When I was in the Army, I had the option of staying in – assuming they didn’t kick me out at some point – for 20 years and then retiring. Had I stayed in, I’d have less than 2 years left […]

What Should I Do With That Pay Raise?

“Every luxury must be paid for, and everything is a luxury, starting with being in this world.” –Cesare Pavese “The saddest thing I can imagine is to get used to luxury.” –Charlie Chaplin You’ve done well at work the past year. It’s time for the boss to tell you what you’ll be making next year. […]

Weak Connections Are Stronger Than You Expect

“You can make more friends in two months by becoming interested in other people than you can in two years by trying to get other people interested in you.” –Dale Carnegie When we moved to Fort Worth, Texas from Virginia, one of the first things that I did was join a couple of local business […]

Should I Work for a Company That Only Wants to Pay Me in Equity?

“We were so broke, that at Christmas, all we could exchange was glances.” –Unknown I used to live in Charlottesville, Virginia (by the way, I am now a Fort Worth financial planner. Get it, Google?). It was the home not only of a university but also of a thriving startup scene. The two were a […]

How to Use Six Sigma Techniques for Your Budget

“Face reality as it is, not as it was or as you wish it to be.” ― Jack Welch In my previous two professional incarnations, I had a lot of opportunities to work with six sigma techniques. Popularized by Jack Welch at General Electric, they are ways to measure, using data rather than hunches or […]

What Should You Do if the Markets Scare You?

“To him who is in fear everything rustles.” –Sophocles Occasionally, I have clients who are sitting on a large pile of cash when, based on their age and their goals, it’s not appropriate for them to have so much money in cash or low-yielding accounts like money market accounts or CDs. When I press them […]