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Our behaviors produce the results we see in our lives.

Bringing a new child into your family holds many promises for the future. It’s a time to celebrate, but it can also change the way you manage money. From daycare to future college costs, raising a child is rewarding but expensive.

     When is a “financial advisor” really an advisor and when is he just a salesperson? The answer to that question has important implications for millions of Americans who turn to financial professionals to help them navigate often complex decisions regarding how best to invest for long-term goals, including retirement.

What’s The Difference?

When I first start talking to a new client, I often discover that they have a financial plan. At some point in the past, they worked with a financial planner who helped them build a plan that was probably a good one for their needs at that time. But then… The plan sat on the shelf. The details of the plan were not fully executed.

Creating and keeping a budget is not fun. It's also not realistic to think that you will keep a journal and write down everything you buy and tally it all up at the end of the month. Mint.com is a site that I found a few years ago and it makes budgeting a breeze.