Everything doesn’t suddenly change overnight going from December 31 to January 1, but because we turn the page of a calendar and get used to writing a new year when we date something, it feels different. The good news is that we get to choose what we give our energy to next. After the rush … Read more
Not long ago, a woman in her early 60s asked me a question I hear more often than you might expect: “My home is paid off, but I still worry about money in retirement. Am I supposed to sell it someday or just hope I never need to?” She was not looking for a loan. … Read more
It may seem a little strange, but budgeting can be great fun, leaving any money saved to splurge on rainy days and holidays. Sometimes we may just want peace of mind, knowing if something unexpected comes up, we will be OK. I have to say I am really enjoying budgeting, it makes me feel in … Read more
Retirement is supposed to feel like a release. You worked hard. You planned. You were careful. You did the responsible things. So, when people finally reach this stage, they often expect to feel lighter. More relaxed. More at ease. And yet, many don’t. If you’re retired or close to it and still feel uneasy or … Read more
Many of us like to think that we are being practical in an effort to be more efficient. This can be especially true when it comes to money later in life. We want a solution that feels simple, efficient, and doesn’t result in added stress. That’s one reason why many people turn to joint accounts, … Read more
My client “Janice” (not her real name) is 66, vibrant, and sharp as a tack. She runs her own consulting business, helps care for her grandchildren three days a week, and juggles chronic pain on top of everything else. One day in session, she shook her head and said: “I know I should be tracking … Read more
What habits do we have, or wish we had? In business or our personal lives, most of our daily actions are completed out of habit without giving them much thought: our morning routine, our drive to work, our bedtime ritual. Have you ever caught yourself driving and asking yourself, did I stop at that stop … Read more
So, how is your cash flowing, my dear friend?Will your dollars last ’til your very end?You’re not all alone in worry’s tight hold—About life or bills, with money so bold! For money’s a mirror, a curious sight,Reflecting your feelings in day and at night.The more that you stress over dollars and cents,The more it reveals … Read more
Over the years, whether on television shows, articles, and financial sound bites, there has seemed to be a consistent message: claim Social Security as early as possible or wait as long as you possibly can. These two age extremes, 62 and 70, seem to get most of the attention. But as with many aspects of … Read more
Most women I work with know guilt all too well. Guilt about not saving enough. Guilt about spending too much. Guilt about saying no to adult children, or yes, when they wanted to say no. Money guilt can be heavy. But underneath it is often something deeper: care, love, and a desire to do right … Read more