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Holiday Conversations

Later this month, most of us will be gathering together around the table with our families, whether parents, aunts, uncles and siblings, or the friends and neighbors we consider family because relatives are far away. Thanksgiving is one of my favorite holidays, if only for the fact that it’s simple (well, maybe not for the cook!). You put some food on the table, and once you’re done feasting, you find the dessert table full of pies! Then the countdown begins to cold turkey sandwiches.

Don’t Leave a Pay Raise on the Table

We are in that time of year when companies start releasing new benefits packages, and open enrollment is almost here. As you look through your new employee book provided by your HR department, you probably see things like additional 401(k) options, accidental death & dismemberment (yikes!) insurance, life insurance, supplemental life insurance, short term/long term disability coverage, along with all sorts of other acronyms you may or may not have any idea what they stand for.

Transitions of Life

Seems like everything is transitioning right now, whether it’s changes in the weather, changes in the sports being played or teams we watch and root for, or the shift from anticipating the excitement of Keeneland and the upcoming Breeders Cup to savoring the memories we made. We spent a lot of time at Keeneland meeting people and enjoying our community, but now it’s back to the desk full-time – and we truly think change is good. Of course the emptying of the grandstand at Keeneland gave way to the excitement over trick-or-treating!

Delayed Gratification: Good or Bad?

Oftentimes in the financial planning community, we use and hear the phrase “delayed gratification.” This is the idea that we should avoid spending money on things we enjoy today, and save/invest it, so that one day we can eventually spend it and receive the “gratification” we’ve been putting off. Dave Ramsey is famous for saying “live like no one else, so that one day you can live like no one else.” That’s all well and good, but personally, I don’t like the idea of denying myself all of the things that bring me joy or gratification. I say ignore that advice!

Long-term Effects of Job-hopping

It shouldn’t come as a shock when I say it is very common for people to job-hop during their 20s and into their 30s before they settle into a long-term position. Typically, people change jobs to gain new experiences, obtain a better title, or for more pay. While these are all very good reasons that, in the long run, should be positives in our financial lives, changing jobs too often can come with a cost.

Holiday Warning Signs

I recently walked into a big box retailer which shall remain unnamed, and lo and behold, encountered the first Christmas decorations of the season. Now, don’t get me wrong, I love Christmas. I’m a big kid at heart after all. But I can’t possibly get into Christmas now when I haven’t bought my Halloween candy!

Summertime, and the Livin’ Should be Easy!

Despite the rising costs of seemingly everything these days, this is the time of year when those of you who are working are trying to squeeze in trips to the lake, weekend getaways and lazy days at the pool – even if you’re staying a little closer to home this year. This truly is the time of year when people think of spending time together and resting after all the hard work of fall, winter and spring. 

Summer Travel, 2022

A quarter of a century – wow! That’s right, as I’m now working on my 26th year in this business, I’m reminded of how things change, and yet, stay the same. When I first started out in 1997, my Great Aunt Sunny was 75 (she’s about to turn 100!), and I was trained that, when I called people on their home phones, I was to identify myself, tell them what firm I’m with, and ask them this shock & awe question: are you concerned about the price of gas? 

Financial Considerations for Summer Vacations

With the last day of school nearly upon us and the kiddos about to be out for the summer, I’m noticing that, for the first time in a couple of years, other parents are starting to ask each other about summer vacation plans. After the travel hiatus most of us took due to Covid and with the current economic climate, it’s exciting to talk about upcoming adventures and escapes from the daily grind. 

Starting a Family – Or Not

As a child, I always wondered why my siblings and I and all of my friends had summer or fall birthdays ranging from July 4 through Thanksgiving. We could never figure it out! As an adult, I now completely understand – within each calendar year, there’s a social season and stay-in-and-cuddle season. For all of you with birthdays in that range, trust me, you’ll never look at birthdays the same. Our parents were Netflix-and-chilling before there was Netflix. 

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