Water tank financial management

When I coach people in the area of their finances, I like to use the image of a water tank. Water comes in at the top and out at the bottom. The water level in the tank signifies cash in the bank. Positive cash flow means that the water level is rising: there is more...

Reprogramming our self-talk

I’ve discovered not only in my coaching but through life in general that people often engage in negative self-talk. “I’m always X.” “I struggle with Y.” “I can’t do Z.” They spend a lot of mental energy rehearsing...

Not planning for retirement: free financial advice

I am increasingly surprised by the number of people who haven’t been planning for retirement. As I have conversations with people that are approaching retirement age, many are not prepared financially. They are stuck; they don’t have sufficient income to...

How to have that tough conversation with a client

Yesterday I wrote about working with clients that aren’t motivated. There’s no reason to keep working with a person who doesn’t want to change or is for some reason not able to change. Sometimes the person is overwhelmed or distracted for legitimate...