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Financial well-being starts with knowing where you are financially today.  Why?  Because figuring out the truth of where you stand financially helps you face and conquer one of the greatest fears for those struggling with financial confidence.  It’s the beginning of the journey.  And one cannot plot a course without knowing the starting place.   A document called a Net Worth Statement, also known as a Balance Sheet, shows where things stand today and is the foundation for set

Financial well-being is calm confidence when dealing with money and making financial decisions. That calm confidence arises and can be sustained when financial decisions support your values and achievement of your life vision. To be clear, financial well-being is not about having “a lot of money” or “being able to buy anything you want.”  Money in and of itself cannot and will not get you there. Instead, financial well-being is focused on understanding your current financia

Because understanding money management fundamentals and having a financial plan are not enough to get there.  Both of those are part of the puzzle, but do not form the complete picture.  Something more fundamental and personal is involved: One’s direct experience with money, the inner experience one has when dealing with money.  This is the missing link, the key to unlocking financial well-being. Where does that inner experience come from?  From our history with money.  All t

Our backyard faces into a wooded canyon, and there's a lot of nature to enjoy watching back there. We see coyotes, an occasional bobcat, some raccoons, and lots of birds – especially hummingbirds. A while back, when I was contemplating starting my financial wellness practice, we noticed a couple of hummingbirds spending a lot of time in our backyard, and then we happened upon a beautiful little nest in a leafy hedge. A few days later we noticed a couple more hummingbirds hang