By the time you’re in your forties, you should have a pretty thorough estate plan in place. You might have kids and a spouse to think of, are more established in your career and typically have some assets to your name. Don’t panic if you’ve barely begun on your estate plan. It’s simple to put the basics in place, and you can fill in any gaps from there. That being said, if you’re missing Continue Reading
Create an Emergency Fund That Has Your Back
When the country went on lockdown back in March, so many people found themselves in a really tough situation. Half of all U.S. citizens have less than $400 saved, and for those who do have savings, they often only have enough for a month or two. Nobody assumes their job will disappear tomorrow, but as we’ve seen this year, anything can happen. If you’re one of the millions of Americans who was Continue Reading
Six Years of Your Richest Life
Six years ago this month, Your Richest Life was born. I didn’t know then where it would take me or if it would work out. But after six years in business, I can tell you it has been one of my most rewarding experiences so far. I’ve worked with hundreds of clients, spoken at dozens of events, and been interviewed for several podcasts and articles. I’ve hired a team. I’ve celebrated plenty of wins Continue Reading
Personal Finance Habits of a Successful Retiree
You’ve spent your career saving and preparing for retirement, and when the time comes, it can feel like you’ve crossed a sort of finish line. While retirement might mark the end of your typical work life, it’s also the start of a brand new way of living. In retirement, you’ll have to pick up new ways of spending, saving, budgeting and investing to support your new lifestyle. Here are some of the Continue Reading
How to Be Productive While Working from Home
Right now, there are thousands more people working from home then there were a few months ago. Some of those people are returning to their office full-time, others on a part-time basis, and others still have been given the option to work from home permanently. Whether it’s a short- or long-term plan, working from home has its own set of challenges and perks. This is especially true if you’re new Continue Reading
Managing Investments During a Financial Crisis
A well-balanced portfolio can withstand a financial crisis and still end up strong in the end. A healthy portfolio accounts for things like recessions and upswings. That’s why you include stocks for growth and bonds for stability. There are many ways to handle market volatility without damaging your portfolio. But what about now? In the midst of the coronavirus crisis, we are dealing with a ton Continue Reading
3 Ways to Adjust Your Financial Plan During the Pandemic
What goals did you set for your financial plan when 2020 started? Maybe you were going to max out your retirement accounts, contribute a certain amount each month to your kids’ 529 plans or pay off student loan debt. One thing is certain in financial planning: There will always be changes. At some point, plans will change, emergencies will happen, markets will drop. So whatever you had in mind Continue Reading
The CARES Act: Should You Apply for Small Business Aid?
Congress’s Coronavirus Aid, Relief, and Economic Security (CARES) Act aims to help Americans weather the financial storm caused by the virus. The first round of financing ran out quickly, but Congress has passed another round. Some of the highlights of the CARES act include: Money for individuals: Tax-paying Americans will receive a direct deposit for up to $1,200 if single, and $2,400 if Continue Reading
Steps to Take if You’ve Suffered a Financial Blow
If you've suffered a financial blow recently, you're not alone. There is a lot of upheaval going on in the world right now. Many people are finding themselves out of a job, or unable to work right now, or unsure whether they will have a source of income after things have settled down. Here are some steps you can take to safeguard your money: DO: Apply for Unemployment If you did lose your job, Continue Reading
Coronavirus: Dealing with Financial Uncertainty
The novel coronavirus - which has infected more than 170,000 people worldwide and is responsible for more than 6,500 deaths - is spreading around the globe. Now that it has made its way to the U.S., many people are preparing for a potential disruption to everyday life. You know the usual: wash your hands frequently, stay away from others who are sick, avoid traveling to infected areas. But how Continue Reading
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