Pad Your Cushion

Pad Your Cushion

Emergency fund, safety net, cushion. Call it whatever you want, it’s there to break your fall in a worst-case scenario, and it needs to be padded. When I meet with new clients, one of the first things we talk about is their emergency fund. People always want to...
Where Your Retirement Money Goes

Where Your Retirement Money Goes

Wealth alone cannot buy a quality retirement any more than it can buy happiness—but having a solid financial foundation can make those years more enjoyable. As you consider a long, happy retirement, give some thought to the most expensive aspects—housing,...
More Savings, Less Hassle: Coupons 101

More Savings, Less Hassle: Coupons 101

Have you ever watched one of those extreme couponing shows where the person has a three-ring binder full of coupons and a giant pantry full of food that would require an elaborate rotation schedule to use everything before it reached its expiration date? I do not want...