A Richer Life Financial Planning is pleased to announce that we are now a Business Member of Character Fort Collins. Character Fort Collins advances and promotes the community-wide character initiative in all sectors of the community. It exists to encourage, support and resource individuals, businesses and organizations in their efforts to lead, develop and model good character. Because good character is the foundation for all lasting success, business owners, teachers, coach

One of the biggest problems I run into is that people are spending more money than they make.  And – they have no idea where that money went. If you ask them to guess where it went, they usually under-estimate, often by as much as 50%. I’ve found that knowing where your money goes is one of the easiest ways of getting your spending under control and one of the most effective tools in getting your financial life under control. Tracking your expenses is a powerful process that

Your Money and Your Life – The Six Basic Principles Have you lost track of your life in the pursuit or money and “stuff”? Do you spend more time paying bills than enjoying life? If so, you are not alone. You may be suffering from a syndrome that has become known by the term “Affleunza”. Many Americans suffer from affluenza, which Wikipedia defines as: 1. The bloated, sluggish and unfulfilled feeling that results from efforts to keep up with the Joneses. 2. An epidemic of str

My rule of thumb for a savings as a percent of your income has always been to save 10%. That, of course, varied depending where people were in their life and financial situations. I always run scenarios to determine if this will allow them to meet their goals. Recently, however, I’m beginning to suggest to people that they consider saving more (or more precisely that they consider spending less). There are several reasons for this: 1. Freedom of Choice: As I work with more an

Everyone deserves to be living a life they love. Not only do you deserve it – you should be doing it. These may sound like strange words coming from the mouth of a financial planner. Most people would expect me to say that you need to have the best job you can possibly get – so that you can save the most possible money. When I meet people and tell them what I do, they most often say – “Oh – so you help people get rich.” They are often surprised when I tell them that what I