Hi Friends, If you've been paying attention to the news, social media, or even conversations with family and friends, you've probably noticed one topic keeps coming up: Affordability. It seems everyone has an explanation. Some say previous generations had it easier. Others argue people today simply need to work harder or spend less. Then there are countless headlines pointing to one culprit: Inflation. Housing. Student loans. Wages. Government. Corporations. The truth? It's rarely that...

Starting around age 10, we gave our kids a set amount of spending money before each trip. That was their money for souvenirs, treats, and extras. If they spent it all on Day 1...that was their choice. If they carefully made it last...great. If they came home with money left over...they got to keep it. What I loved most wasn't what they bought. It was watching them start to think differently. Instead of me constantly being the "Yes” or “No" person, they became the decision-maker. Suddenly they...

Sometimes the hardest parenting decisions become the ones our kids appreciate most later. For some families, it’s high school graduation season… and for others, it’s college visit season for rising seniors. As families tour campuses and talk about the future this summer, I thought I’d share one of the hardest financial conversations we had as parents — and a few things I’ve learned since becoming a financial coach. My daughter had just toured a school she absolutely loved. Tuition? About...