Build Your Financial House

I have no idea where the phrase “getting your financial house in order” comes from. A quick Google search resulted in nothing useful. I guess the idiom makes sense since a house starts with blue print (plan) and is comprised of rooms that have purpose like a kitchen, bathroom and bedrooms (specific accounts or areas […]

When is Enough Enough?

In a culture of work and spend, there can be an endless search for more. However, research shows that money only affects emotional well-being  or happiness up to an annual income of ∼$210,000 per family, or ~$275,000 when adjusted for the cost of living in the Bay Area. Too much money can actually have a negative […]

Magic of Money

I’ve noticed a trend in the last year that makes me think there is something magical happening. The trend is towards greater responsibility for one’s financial destiny. My newer clients aren’t playing the victim card of living in an expensive area. Instead, they are making decisions to lower spending and setting savings goals, which they […]

The Diligent Squirrels

It’s been seven years since I first met the Squirrel family, who live in San Francisco, have three children, aspirations of the best education for those children and a strong desire to be homeowners. With all of these goals, they seem to make the improbable possible. A family needs to make more than $250,000 per […]

Want to Make A Big Move?

Tired of feeling like all you do is work just to pay your bills? If yes, you are not alone. Redfin reported that  San Francisco lost more residents than any other US city in the last quarter of 2017. And in 2018, 49% of Bay Area residents said they would consider leaving California because of the cost […]

Keep On Truckin’

In 2014, I started working with Bill. He wasn’t my typical client. Divorced, dad to two teenage sons, not working in finance, law or technology. He was laid back, and he knew what he loved: his boys, his dog, music and surfing. Financially speaking, he felt like a wreck. He wanted a budget, to get […]

WELL VISIT FOR YOUR FINANCES

Every year around your child’s birthday, they have a Well Visit. This gives the doctor an opportunity to check on your child’s health, physical progress and have a discussion regarding the next year and any issues your child might be having. These visits are preventative in nature. As adults, we tend to slack off on […]

MONEY = FEELINGS

Money means so much to people and is a representation of our values. Strangely, this is why you are not supposed to talk about it or ask about it. If your parents didn’t talk about it, how are you supposed to know how to talk about money and communicate with your partner. According to Financial […]

Should You Both Work?

Affording life in the Bay Area is expensive. In general, it takes two working parents to make ends meet and be able to save for your bigger financial goals like home, retirement and education savings. The breakeven point is trending upward with the cost of housing, which is most families largest expense (25-45% of all […]

How to Teach Your Children that Money Doesn’t Buy Happiness

My son is seven years old and thinks it is super cool to pretend to “make it rain” with his hands and imitate stacks of money flying in the air. My first reaction is to cringe and wish he didn’t think it was cool. Sometimes I hear him say things like, “If I had a […]