When it comes to investing, our minds can play tricks on us. One of the most common culprits is recency bias, the tendency to let the latest events loom larger in our decision-making than they should. When markets are strong, it convinces us that this will continue forever, tempting us to overpay. When markets drop, it tells us the slide will never end, pushing us toward panic-selling and missed opportunities.

It is human nature. We are wired to respond to what is happening right now. But that wiring can hurt us when it comes to our finances. The antidote is not complicated. It is returning to timeless fundamentals that work in good times and bad. One of the most powerful fundamentals is saving.

Why Saving Still Deserves the Spotlight

Investing tends to get all the attention. We hear about record-breaking stock highs, dramatic losses, or the latest hot trend in real estate or crypto. Saving rarely makes headlines. It is not flashy and it is not fast, but it is foundational.

A stron...

Spring, with its symphony of budding leaves and the soft hum of renewed life, is more than just a change in the calendar. It's a metaphor for rebirth, a reminder that no matter how barren the branches of our lives may appear, the potential for growth always exists. Each sprout breaking through the soil carries a whisper of promise and begs the question: what in your life is awaiting rebirth?

Hello, brave souls. Yes, you—the women who are emerging from the cocoon of financial dependency into the empowering sunlight of fiscal autonomy. Spring is calling to each of you, beckoning you to plant seeds of independence and cultivate a garden of self-sufficiency.

From Barren to Blossoming

It’s that time of year again, when everyone is sick of the cold weather.  If you have to wear a turtleneck one more time, you will scream. It seems as if the days of feeling a warm breeze blow through your hair, let alone lounging by the pool in your new bathing suit, are a long way out. The trees are still...

Through watching my grandfather's approach to life and money, I was able to grasp some truly valuable financial lessons. This was particularly poignant given that my father's approach to finances served as a stark counterexample of what not to do.

10 Timeless Financial Lessons

Live Below Your Means

My grandfather, who grew up during the Great Depression, embodied the principle of living below one's means. This was not merely a saying but a lifestyle he embraced, shaping his prudent financial habits. He prioritized long-term financial security over the allure of short-term material gain.

The Power of Saving

The concept of saving was one my grandfather held in high regard. No matter his earnings, he made it a habit to set aside a portion of his income. This practice not only emphasized the importance of saving but also fostered in me the discipline to prioritize savings over unnecessary spending.

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• Improve Your Financial Wellness with These Five Tips
• 9 Ways to Sav...

Looking for the best budget app or money management tool? There are so many facets of budgeting, and you'll likely have to make some sacrifices, but using one of these tools can make those sacrifices easier and can take the most challenging work out of budget. These are the best budgeting apps and tools to download now if you want to get your spending under control. 

What is a budgeting app?

A budgeting app is a digital tool that helps you track and manage your income, expenses, and savings. It allows you to create and stick to a budget by categorizing your expenses, setting limits, and providing insights into your spending habits. With the rise of technology, budgeting apps have become increasingly popular as they make it easier than ever to stay on top of your finances.

Why use a budgeting app? 

There are many benefits to using a budgeting app. For starters, it can save you time and effort by automatically tracking your transactions and organizing them into categories. This elimi...

In our last post, Stop Living Paycheck-to-Paycheck , we explored the most common reasons people get caught in that exhausting financial cycle. Today, let’s talk about how to break free from it once and for all—and start putting your money to work for you.

If you’re ready to move beyond surviving and start thriving financially, this guide will walk you through practical, realistic steps to build stability, reduce stress, and create real financial peace.

Step 1: Create a Budget That Works for You

A budget isn’t about restriction—it’s about clarity. When you see where your money goes, you can start directing it toward what matters most.

Start by thinking about your needs, wants, and future goals. A strong budget includes all three.

Determine Your True Income

Your income isn’t your gross pay—it’s what you have left after taxes, insurance, and other deductions. Know this number clearly so you can plan with accuracy.

Add Up Your Monthly Expenses

Review your last one to three months o...

So who has started spring cleaning? Do you have a good system in place so it doesn’t take hours and hours to get the job done? There certainly are a lot of cleaning checklists on Pinterest and Instagram. As we’re thinking about spring cleaning our homes, it’s also the perfect time to spring clean your finances. The first quarter is over, and last year's taxes have been completed, so let’s get organized financially for the rest of the year.

Here are 10 ideas for spring cleaning your finances.

Check your credit reports. You can check your credit report from each of the three credit bureaus once a year so I recommend checking one at the end of April, one at the end of August, and one at the end of December. Credit report mistakes can prevent you from getting a loan or force you into paying a higher interest rate. If you see any errors or fraudulent activity on your credit report, file a dispute with the credit bureau right away.   

Review your monthly budget. Your current budget may ne...

With Valentine’s Day right around the corner, many women are thinking about how to show love to the special people in their lives. But before you buy the flowers or book the dinner, I want to invite you to pause and do something equally meaningful: show love to yourself and your financial future.

Self-love is not selfish. It is one of the smartest investments you can make. Just like the airplane safety reminder says, you need to put on your own oxygen mask before assisting others. The same is true with your money. When you prioritize your financial wellness, you create stability, confidence, and peace that benefit everyone around you.

As a financial planner who has helped hundreds of women through major life transitions, I have seen how financial clarity can transform confidence. When you feel in control of your money, you show up differently in every area of your life. You make choices that align with your values, not your fears. And that is the ultimate form of self-love.

Here a...

People like to make a lot of proclamations about what to “always” or “never” do with your money. However, these are quite often total financial myths. And, when it’s coming from a source you trust, you tend to take these financial myths at face value rather than exploring the truth of the situation for yourself.

These five financial myths can negatively impact your mental wellbeing as well as that of your budget and financial security. So let’s play MythBusters and talk through some of the things we always hear about finances and the reality of the matter instead.

Financial Myth #1: You don’t need an emergency savings fund if you have a credit card.

The Reality: This is a very costly (and not always assured) way to cover emergencies.

This is one of the financial myths that always gets me going! There are so many things that could get you into trouble around credit cards and the way people use them is one of them.

The reality is that you may have credit today, but not tomorrow. ...

Starting or maintaining a budgeting system can be a daunting task. Trying different methods until you find one that works is not uncommon. But, having the right attitude toward money, savings, and budgeting plays a crucial role. In this post, we explore five essential mindset shifts - strategies to get your finances in order.

Strategy #1: Embrace Money Transparency

Neglecting your financial situation can be incredibly stressful, particularly when unexpected expenses arise. That's why it's crucial to establish a budget that encourages you to address your finances proactively before a crisis strikes, enabling you to have a clearer and more comprehensive understanding of your financial standing.

By embracing the habit of checking your bank account on a daily basis, you can easily track your progress, make adjustments when necessary, and ultimately feel more empowered and in control of your financial well-being.

Strategy #2: Understand that Budgeting is a Process

When it comes to fi...

Your home is where you can relax and be comfortable. And if your home isn’t decorated to reflect yourself and your tastes, it can be hard to fully feel at home. Home decor is a great way to add your personality into your home, but it can be expensive.

My ultimate goal is to make my home the place we all want to be (especially since we’re spending so much time there now)! And I’ve learned a few frugal tips for refreshing home decor on a budget.

These tips are more than “paint and buy new curtains” - they’ll help you identify how you want to update your home, what will make the most impact, and clever ways to shop for it so you can refresh your home decor on a budget and still have it look good and like you.

Determine Your Goals and Budget

It can be so easy to get caught up in comparison, especially when you see a perfectly decorated home on Pinterest or HGTV. It’s important to remember that you have unique tastes and your family's needs will vary from what you see in the media. S...