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A Tale of Two Carrots. 

Have you taken a look at how much you spend on food lately?  Many people who create a budget and look at how much they’re spending each month are surprised by their food bill.   In financial counseling, it’s often the first area that someone tags as wanting to reduce. The Tale of Two carrots is …

My Savings Don’t Make Much Money

My savings don’t make much money. I often hear people say that they would like their emergency fund to “make more money” but it doesn’t make much interest in a savings account. Sometimes they ask if they should put it in an investment that has bigger gains, but much higher volatility. They feel they a …

Tax Trap

Ever met someone who was retired and who had been successful in saving for retirement? I’ve met many who seem to feel overly taxed. They did the right things and saved and invested and when they need that money the tax burden feels heavy and a bit like a punishment for success. When I was …