In the vast ocean of financial management, money anxiety often feels like an unending series of waves. Sometimes, these waves are gentle, nudging us towards better financial habits. Other times, they are overwhelming, born from the tempests of unexpected life events and shifting economic landscapes. It’s easy to become fixated on wealth creation, focusing solely on returns, innovative ideas, and bigger salaries. Yet, as a renowned financial advisor wisely observed, “It’s not the high waves but […]
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Learn from the past, plan for the future
“The only real mistake is the one from which we learn nothing.” – Henry Ford When it comes to financial planning, understanding the concept of survivorship bias is crucial. Survivorship bias is a logical error of concentrating on the people or things that “survived” some process and inadvertently overlooking those that did not because of their lack of visibility. This bias can lead to overly optimistic beliefs because failures are ignored, such as believing that success […]
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The Power of ‘Get To’ Over ‘Have To’
Life only seems to get busier – no matter how hard we try to slow things down. It’s easy to fall into a pattern of viewing tasks and responsibilities as burdens, things we ‘have to’ do. This mindset, often a default setting, can make our days feel heavy and obligatory. But what if we could shift this perspective? What if, instead of ‘I have to’, we started saying ‘I get to’? This simple linguistic flip can […]
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The art of trusting your gut
“Follow your instincts. That’s where true wisdom manifests itself.” – Oprah Winfrey Many of us have lost the ability to trust our gut. Relying on digital interfaces, virtual relationships, online apps and wearable tech, we’ve become disconnected from our intuition. It’s that gut feeling, the inner voice that whispers advice during crucial financial decisions. But in a world dominated by logic and analysis, can we really trust our intuition when it comes to our finances? Childre […]
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It’s important to check in
In the realm of financial planning, we often focus on numbers, strategies, and future projections. Yet, a recent conversation shared on twitter underscores a different, but equally vital aspect of our work: the importance of simply being there and listening. A financial planner recounted an experience with a retired client. It had been months since their last conversation, and a brief note about a transaction led the client to call, seeking clarity. This call unveiled a […]
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The power of emotional openness in planning together
“The greatest gift of life is friendship, and I have received it.” – Hubert H. Humphrey Picture two serene lakes, their waters flowing freely into each other, symbolising a relationship rich in openness and emotional connection. Now, envision these lakes separated by a dam, blocked and under pressure. Eventually, this pressure becomes too great, causing a disastrous burst. This scenario mirrors relationships where open communication and emotional availability are absent, leading to a blocked “emotional dam.” […]
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The relationships we cherish and celebrate
In the rhythmic and deceptively unpredictable day-in and day-out of our calendars, there are moments when our wallets feel significantly lighter. The end of the year, with its festive sparkle and cheer, often brings a flurry of spending that can leave many of us dizzy. It’s not just the holidays, though. Think about that one month when it seems everyone you know is celebrating a birthday, or perhaps the season of weddings and anniversaries. These periods […]
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Less scrolling, more strolling
Screens dominate much of our waking hours. There’s a growing need to disconnect from the virtual and reconnect with the tangible world around us. The mantra “less scrolling, more strolling” captures this sentiment perfectly, encouraging a shift from passive, screen-based activities to active, physical engagement with our surroundings, particularly through walking. The act of walking, especially with family, friends, clients, pets, or neighbours, offers a wealth of restorative benefits that go far beyond mere physical exercise. […]
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What’s guiding you through stormy waters?
“Life provides the wind. You control the direction of its sail.” – Unknown Life’s financial journey often resembles a nautical adventure—filled with an exciting mix of peaceful waters, unpredictable storms, and hidden treasures waiting to be discovered. Just as the wind propels a ship across the ocean, life’s circumstances guide us on our financial voyage. And just as a sailor takes control of the sail, we have control of direction when it comes to our financial […]
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The Ballad of Golden Means
The Ballad of Golden Means In sooth, a tale of coin oft told, Doth shake the hearts of young and old; For lucre’s siren song entwines The very core of mortal lines. Yet, shall we to this master bow? Or find we balance ‘twixt the bough? In measure fair and wisdom’s sight, Let not the gold our souls indict. For though the purse may fill with glee, ’Tis but a shadow’s feign’d decree. A full heart […]
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