My Money & Me

01-13-23 blog image
In December 2022, Congress passed a new spending bill which also contains many changes to retirement accounts. The changes are extensive, but here is a summary of specific changes that are most likely to impact you.
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It happens to all of us: waking up in a sour mood. The causes can be many. Maybe you went to sleep the night before, brooding about a problem at work. Maybe your family has gotten on your last nerve. Maybe you realized, as you staggered into the kitchen, that you forgot to get coffee at the store yesterday. For whatever reason, your day has gotten off on the wrong foot. Similarly, for much of the past year and continuing to the present, investors and other market-watchers are worried that the US economy is in a lousy mood. Once again, the causes are manifold: stubbornly high inflation and a resultingly hawkish Fed; rising interest rates (see also: “hawkish Fed”); increasing labor costs and a tight job market… the list could go on.
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By now, most of us have at least heard of Simon Sinek and his maxim— which is also the title of his bestselling book—“Start with Why.” The main idea that Sinek has captured so effectively is that companies and people can achieve great success by truly understanding the purpose behind what they do, and then ordering all their efforts from that starting point. As Sinek puts it, “People don’t buy what you do; they buy why you do it.”
Depending on the “money culture” of the home you grew up in, it’s likely that you’ve encountered one of two attitudes toward debt: either you view it as a “slush fund” to be tapped when there’s something you want that you don’t have enough cash to buy; or you think of debt as an evil that must be avoided at all costs.
As financial advisors, we often talk about different tools investors can use to earn money, save money, and even protect their money. Some of these tools include access to alternative investment options, some are tax saving strategies, others are legacy protection techniques. But of all the tools we talk about, and of all the benefits different tools can offer, there is one that trumps them all.
Simple is good, right? If you want to get something, the direct approach is best. Yes, simple is good, but simplistic is not. Many times the straightforward approach gets you exactly the opposite of what you actually want. The world we live in is complex, largely unknown (to each individual in it), and full of feedback loops and consequences….

What can we help you find?

Griffin Black Portal

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emX / eMoney

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