On this site and in my work, I share what I’ve learned while personally investing for 40 years in “almost everything”, including individual stocks, bonds, funds of all types, real estate, commodities, small business and my own online businesses.
I’m a writer, YouTuber, financial coach and an Accredited Financial Counselor® and…
…I help investors figure out how to increase wealth and live off their assets for life.
How am I different?
In addition to actually investing and doing the things I write and talk aboout, I don’t manage wealth for others, meaning I don’t invest other people’s money for a management fee.
Over the years, I’ve personally interviewed, hired and worked with several financial advisors, however.
So I do know how to help my financial coaching clients who work with advisors, or want to do so, as is often the case with women who have inherited money or divorced, I’ve noticed in my work.
Nowadays…
I personally invest my own diversified low cost portfolio. I strongly encourage everyone do what works best for them, however, based on their own desired lifestyle and financial goals since everyone is very different in what they like to do and also what they need to do financially.
This often overlooked principle gives me a disdain for cookie cutter solutions, and is at the core of all my work.
Life is rich when we’re doing what we like to do and when we can pay for the life we want.
What else is different here?
.A core portfolio of stocks and bonds can provide an excellent highly liquid asset but there can be much more to building wealth or those who choose.
The reality is that earning 6% to 10% on a stock/bond portfolio over time won’t get you wealthy unless you already are or you have decades to save and invest during favorable markets and economic environments.
Dave Ramsey got wealthy after an absolutely brilliant idea to teach debt reduction at churches resulting in a highly successful business empire after reportedly going broke from real estate….
Warren Buffett got wealthy from taking large positions in undervalued companies and helping them make more money…
…not from passive investing based on an asset allocation template, which they now recommend along with almost everyone else.
In other words, for most investors a core investment account may not provide the ultimate goal of investing, aka funds for life, when needed for many reasons including inflation, low interest rates, inconsistent returns, other factors completely outside our control, life longevity, and insufficient savings.
Years ago, this awareness led me to create multiple income streams as part of my own investment process after the epiphany that a $1,700 monthly income stream outside our core portfolio is like saving another half million dollars for someone planning a traditonal 4% retirement withdrawal…
…and a $1,700 income stream is quicker and easier than saving a half million $$$ (at least I think it so, do you agree?)
There are many options to accomplish this now, unlike decades prior to the 2000’s. We live in an incredible time for individuals to build wealth besides or in addition to stocks.
What you’ll get…
So what you’ll get from my work are ideas, solutions, and strategies that:
- Are a little outside the box
- Encourage you to do what works for you based on your own situation and desires
- Encompass both stock/bond portfolios as well as alternative wealth and income srategies
Because everyone is different.
Therefore wildly popular cookie cutter investing solutions can’t possibly work for everyone.
This is what you’ll get based on my experiences and work so if this interests you, stick around.
A word about women and wealth
My humble goal is ending the investing education gap between men and women in my lifetime. (I’m honestly starting to get nervous about accomplishing this when I see how many more men than women embrace investing so I really, really need your help:)
While I first learned about investing from Dad, growing up in the 1960’s, the unspoken discouragement of women to embrace business and investing has certainly impacted my own confidence and success.
This realization fueled my passion for investing and caring for the wealth we are disciplined and fortunate enough to accumulate along the way.
Investing is incredibly worthy of our highest care and attention yet it is often a low priority or avoided due to feeling overwhelmed, confused, or even unworthy.
All it takes to become a successful and confident investor is the decision to do so; there’s magic in deciding.
Therefore, decide to embrace investing if you’re not already.
Then, together, let’s make investing a “normal”, if not a wildly passionate and over exuberant activity for ourselves and the next generation of women because…
…having “extra” money is, well, darn nice….
…and so is being a confident investor, try it out:)
So, that’s it.
Thanks for visiting my original financial website resulting from a never ending and somewhat annoying little voice in my head to make a website about women and investing.
I have lots of unbiased free financial education and tools on my sister website RetireCertain.com, and on my Retire Certain YouTube channel.
Please help me promote financial education for women by sharing on social media anything that you find helpful here with a link back to my article or video.
Get Started Now with ….
One (or all) of the gifts I’ve created here.
If you want Financial Coaching with me, click here.
NOTHING ON THIS WEBSITE IS MEANT IN ANY WAY, SHAPE OR FORM TO BE CONSTRUED AS PERSONAL FINANCIAL ADVICE BECAUSE GUESS WHO IS RESPONSIBLE FOR YOUR MONEY?
YOU ARE!
DO YOUR OWN RESEARCH BEFORE INVESTING, IN ANYTHING, ALWAYS. DON’T PUT YOUR MONEY ANYWHERE YOU DON’T UNDERSTAND:)
LET’S DO THIS…