If I had to select the top three questions that I’m asked most often by new members and coaching clients, the questions would undoubtedly be the following: 1)  WHAT SHOULD I INVEST IN? There are two primary factors that determine what you should be investing in:  1) Your personal investment criteria and 2) The current investing and economic landscape. Both are independent variables, but both should be taken into consideration. Starting with your personal investment criteria, this includes things like your current level of disposable income, your level of risk tolerance, and your long-term financial objectives.  For example, if you’re 50+ Continue reading


Credit cards are one of the most common forms of consumer debt

We’ve been conditioned to think that debt is bad – and in many cases, it is. Whether you blame peer pressure or clever marketing campaigns, I think we can all agree that the pursuit of status symbols and instant gratification has come to define our modern culture.  When we want something, we want it NOW.  And we don’t just want it, we NEED it. Something about the phrase “low monthly payments” has a tendency to overwhelm logic and reason.   Our rational, objective side gets trampled by emotion as we thumb passed the cash in our wallet in search of plastic.  Continue reading


Investing for Capital Appreciation

As you begin exploring the investment landscape, you’ll quickly realize that there are plenty of investment choices to select from.  There’s no shortage of available options.  Nevertheless, when you break down all the various financial strategies and techniques, there are really only three primary approaches to investing that we can pursue as self-directed stewards of our money: 1)   Investing for Tax Reduction 2)   Investing for Capital Appreciation 3)   Investing for Income Let’s take a look at these three approaches individually: INVESTING FOR TAX REDUCTION With this approach, you’re investing to reduce your tax exposure.  Taxes are right up there with Continue reading