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12 Days of OPFP: Gaining more awareness on Day 12

To close out the 12 Days of OPFP, I want to end with a sketch that I think gets to heart of what I’m trying to accomplish. Yesterday, I broached everyone’s “favorite” money subject: budgeting. Today’s sketch mentions it specifically, but puts it in a context I don’t believe many…


12 Days of OPFP: When we buy things we don’t value on Day 11

Whenever I bring up the word “budget,” people get a pained look on their face. Sort of a cross between when they hear “flossing” and “exercise.” I get it. We understand objectively the value of knowing where and how we spend money. But emotionally, we can come up with 50…


12 Days of OPFP: Thinking About Money on Day 10

We’ve all made at least one, dumb money decision. But guess what? That doesn’t mean we can’t make a better decision the next time. That’s one of the reasons I wrote The One-Page Financial Plan. I think some people genuinely believe that after one, two or even a handful of…


Financial Prescriptions: Proceed with Caution

Imagine you’re walking down the street. A woman approaches and hands you a small piece of paper. You glance down and realize it’s a prescription. “Well,” you think to yourself, “she was wearing a white coat, so she’s probably a doctor.” You then walk into a drugstore where other people…

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12 Days of OPFP: How do you feel about transparency on Day 9?

I often get asked, “How do I know someone is a real financial advisor?” My response: Real financial advisors are transparent about fees and compensation. Transparency matters when we’re talking about money. The more we know, the more confident we can feel about the financial advice we receive. We can begin…

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12 Days of OPFP: Enjoy spending money on Day 8

We talk a lot about the need for people to save more, spend less, and think through their buying decisions. We rarely talk about how we should feel when we buy something that we’ve saved for and that we value a great deal. It seems a little silly, but I…


12 Days of OPFP: On Day 7, are you investing or speculating?

Just joined? This post marks Day 7 of my sketch giveaway to celebrate the launch of The One-Page Financial Plan. You can read Day 1 for the details. Why do so many people who attempt investing fail? I believe it’s because they confuse investing with speculating. I’ve been guilty of making this…


12 Days of OPFP: Do you know your future financial needs on Day 6?

We’re pretty good at thinking in terms of days, weeks, and sometimes a few months in advance. But when it comes to money, we’re horrible at connecting the money decisions we make today with our future financial needs. We assume that what we need in the future will be less…


12 Days of OPFP: What looks reasonable to you on Day 5?

Just joined? This post marks Day 5 of my sketch giveaway to celebrate the launch of The One-Page Financial Plan. You can read Day 1 for the details. I hear from a lot of people who are worried they aren’t saving enough. I understand where they’re coming from. I used to be…


Add Uncertainty to Your Financial Plans

Human beings don’t like uncertainty, especially when we’re contemplating our financial futures. It’s not enough for us to think that we’ll have enough money to send our kids to college, or to retire. We want to know exactly how much money we’ll need to achieve those goals — and precisely how we’re…


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