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Could it be? Inflation finally cooling a bit?

July brought good news: inflation dropped to 2.9%, its lowest since March 2021! This marks the 5th straight month of slowing price increases.

While consumer prices are still up from last year, the pace is slowing. Food and energy saw modest rises of 2.2% and 1.1% respectively. But don't forget, overall prices remain about 20% higher than three years ago.

These trends could influence the Fed's decisions on interest rates, potentially impacting various aspects of the economy. It's a great time to review how these changes might affect your long-term financial strategies.


Source:

Inflation cooled in July, reaching lowest level since March 2021 Price increases have slowed significantly, but remain above the Fed's target.

Important developments in the housing market:
▪️ The 30-year fixed-rate mortgage decreases to 6.55%
▪️ Rates reached their lowest point in 15 months
▪️ It's the largest weekly reduction observed in two years

What factors are contributing to the rate drop? Two factors: the Federal Reserve indicates that potential interest rate cuts may be soon, and the labor market is showing signs of deceleration.

These changes may present opportunities for more favorable housing costs and refinancing options. However, it's important to note that low housing inventory continues to exert upward pressure on prices in numerous regions.
Staying well-informed is crucial for making sound decisions regarding your home and financial strategy. 💼🏘️

Source:

US 30-year mortgage rate drops on weak jobs data, Fed rate-cut signal The interest rate for the most popular U.S. home loan plunged last week to its lowest level in 15 months, after the Federal Reserve signaled it could start cutting its policy rate in September, and a downshift in the job market bolstered financial market bets the cuts would be big.

My work so often reminds me that financial advising is about way more than numbers in your bank account - it's truly an intimate relationship 🥹

Do you remember that over-the-moon excitement about getting engaged to your soon-to-be spouse? Remember what it felt like when he asked? Or when she said yes? (Or however it worked out for you two!) 

Now imagine telling your financial advisor about it before ANYONE else.  

Might sound weird right?

But that's exactly what happened to me recently. 🥹❤️ 

She told me I was the first person they wanted to tell about their engagement. 

Then she asked me to dedicate a planning meeting to the "top 10 things we should think about before getting married" and told me to bring all my best ideas. 

Her fiancé joined that planning session, and together we created their first-ever financial planning meeting as a new family. 

As I shared my top 10 pre-marriage tips with them, they really soaked it in and asked thoughtful questions. Later she told me that they already booked 1:1 time together to discuss what was most important to them. 

While I held back from straight-up crying out of happiness on this call, I was so overcome by emotions. 😊

I hung up and said aloud to myself: Wow, being an advisor is such a privilege. 

And it truly is. Walking alongside you through life's twists and turns is the privilege of my professional life. 

The cherry on top is when we're in such a strong partnership that you tell me about your engagement before literally anyone else. 

I've also been the first person to know that you: 

-are expecting your first child
-decided to leave your job 
-received divorce papers 
-need to find assisted living for Mom
-are starting a business 

Phew 😭💓

It's work that I'm so honored and humbled to do.

Oh, and that Top 10 Pre-Marriage Financial Tips list is going to be available totally *free* to all of you as a part of my Family Finances Bundle, so soon. Stay tuned & drop a 👋 in the comments if you want it when it's ready! 👇

Struggling with sleep? Your savings habits might be the key to your sleep hygiene! 💤

As someone who is also focused on my own sleep quality and circadian rhythms this was interesting to me:

A new study from Bristol University reveals:
🛏️ Regular saving, even small amounts, can improve sleep quality
🛏️ Savers report feeling more relaxed and optimistic about the future
🛏️ Low-income savers have similar life satisfaction to richer non-savers

Despite rising costs, saving remains crucial for financial resilience. Remember:
▪️ 6 in 10 people have a savings habit
▪️ Simple, flexible accounts with incentives can help
▪️ Shop around for the best savings options that fit your lifestyle

Every little bit counts towards better financial and mental well-being! 🌟



Source:

Sleep could be boosted by saving small amounts of money - study A quarter of UK adults have less than £100 tucked away, but a report says a savings habit aids mental wellbeing.

ISO a good CPA - friends, do you love your accountant and would recommend them to your friends? I need a good CPA option for my clients! Shocking how many CPAs are at capacity right now. I need someone who is knowledgeable with small business & real estate, and a good communicator / team player so we can collaborate on clients’ needs. Thank you!

🚨🚨Exciting News!!🚨🚨

I’m thrilled to announce that I’m now officially certified to help families find the right life & health insurance! 🎉

For over a decade, I’ve been helping families figure out their insurance needs, but now I can do it formally and offer a comprehensive service tailored just for you!

Insurance isn’t one-size-fits-all. Every family has unique needs, and I’ll help you identify your specific insurance gaps and find the best ways to fill them. Whether it’s Life Insurance, Disability Income Insurance, or Health Insurance, we’ll create a plan that’s right for your unique situation.

Protecting your family’s future is just as crucial as growing wealth. Think of it as another layer of security and peace of mind. My focus will be on helping families quantify what they need to protect their loved ones and then figure out the best way to achieve that protection. It’s about creating a customized plan that fits your life.

Are you ready to secure your family’s future and make informed insurance decisions? Drop a “YES!” in the comments if so 🥹👇

What is the women's investing gap? 👀👇

The Investing Gap is not necessarily a pure inequality issue but a failure of our cultural conditioning. (source: Ellevest)

Here's what I mean...

1️⃣ The financial sector was built for/by men

2️⃣ Women don’t have as much disposable income to invest (caretaking, time out of the workforce, spending more of their money on their family, still being underpaid v. men, and the pink tax / cost of goods)

3️⃣ Women are taught that we’re bad at money, or at least not “as good” as men. There's a significant confidence gap.

4️⃣ Women are under-invested v. men. Women keep about 71% of their assets in cash instead of investments. This is truly devastating to our potential investment outcomes and cannot be under-stated!

5️⃣ 86% of all financial advisors are still men! 🤯 Not all women, but *most* women surveyed prefer female advisors who can understand their unique situations and challenges better.

6️⃣ The Pink Tax: Products for women are more expensive than men, ***42% of the time!! 😬 Men’s goods cost more than women's only 18% of the time. (source: NYC Consumer affairs). Overall the pink tax is about 7%, meaning our goods are 7% more expensive than men's.

So, what can we do to improve the Investing Gap and raise our girls with strong investment portfolios & wisdom? 👇

✅️Stabilize yourself (get an emergency fund, and pay-off your high interest debts)

✅️Negotiate for more pay - The worst they can say is no, but it’s been shown that women simply don’t ask, and we leave a lot of money on the table!

✅️Start a side hustle or business where you can control your income/pricing instead of working for someone else.

✅️Just do it! Invest, invest, invest.

✅️Does THAT 👆 intimidate you? Send me a DM 😊

We can shift the women's investment gap for ourselves and our daughters - this is how we create a future of financially stable girls! 🙌

"The Profit First method in accounting calls for directing a percentage of all sales directly to profit, before taking out expenses. This is in stark contrast to traditional accounting methods, which classify profit as income remaining after expenses have been paid."

And it's seriously revolutionary!

Have you heard of this method?

When applied to investing... the results are AMAZING!

Studies have shown that if we treat our investing and savings accounts like any other "required" monthly expense, especially if we have automated contributions / payments set up...

We will find a way to keep paying it, even when times ate tough.

This research is profoundly helpful for a few reasons...

1️⃣It tells us that most of our blockages to investing are psychological and not actually rooted in our financial capacity

2️⃣Automation is a powerful tool we can use to help maintain consistency

3️⃣Profit First & done-for-you methods are really successful in building wealth!

If you want to start really growing your family's wealth, let's talk! 👋 I'm here for it 😊

Instilling financial literacy in our children...

without instilling greed, ego, and obsession.

So many people are afraid to teach their children about money, afraid to create real financial literacy, because they fear that they will create a stereotypical greedy, spoiled, or even obsessed adult who has no depth beyond financial growth.

This could not be further from the truth.

In fact, I believe that many of those that fit that ^ stereotype were NOT taught about money from a young age, at least not in a real or comprehensive way, and didn’t have positive money role models. They often are people who were handed a huge lump sum of money all at once, with very little instruction for how to handle it, after years of witnessing their parents obsess over money in an unhealthy (and ironically scarcity-based) way.

When we teach financial literacy to children, we give them the skills to build a healthy relationship with real wealth, one that leaves plenty of room for a well-rounded life -

In fact, a well-rounded life is far easier to enjoy, in my opinion, when you aren’t worried about how you’re going to pay your bills or put food on the table every month.

Our children can be hard workers, and have an investment account behind them waiting for retirement.

I wonder, what kind of amazing work might someone do in the world, if they knew they already had a sound retirement building and didn’t have to sacrifice their genius in order to make a certain amount of money?

I wonder, what kind of complete expression of their skills might unfold if they knew they had something to invest in themselves when the time was right (and knew how to tell if the time was right or not) - whether that’s in higher education, trainings, or business startup costs.

If we want to create a true lineage of financial security, we need to introduce these concepts to our kids now. It can start simple.

The value of money.
What it means to save intentionally.
What it means to be taxed.
How money can grow itself if you’re intentional with it.

Multi-million dollar investing wins for your kids, that can build generational wealth:

❌ Stop putting birthday money into their bank or piggy bank!!

➡️ Instead, open an investment account for minors, what’s called a UTMA account. Here, you can deposit the money and choose low-cost, diversified investments to grow for the long term. 📈

❌ Stop thinking that only the rich can pass along wealth and make their kids millionaires!!

➡️ Instead, harness the power of the Custodial Roth IRA. You’ll pay your child a paycheck for the amount of their Roth contribution every year, invest those funds for the long term (like, in a diversified basket of stocks via an ETF) and watch that tax free growth compound over time!

✨️✨️✨️

Generational wealth starts with YOU right now.

And, as incredible & exciting as this all sounds, don't forget to secure your own oxygen mask BEFORE your child's.

DM me if you want to learn how 💜

I have some clients who are multi-millionaires and still don’t dabble in this super risky stuff. 🤔 They’re just not interested.

However, if you personally ARE interested... swipe for some tips! ➡️

But I cannot stress this enough...

If you don’t yet have true financial stability in place, don’t skip to speculative investments! ⚠️ It can be tempting in our “get rich quick” world, but don’t be fooled by promises of crazy investment gains with "no downside".

If anyone tries to sell you on that EVER, run in the other direction. 🏃‍♀️💨

For example, if you only have $250,000 saved in your investments, and you start trading obscure stocks or crypto currencies with $200,000, it would be absolutely devastating to your financial plan if it all went pear-shaped!

BUT if you have $250,000 saved and you dabble with $10,000, that is a perfectly reasonable way to manage your risks, in my professional opinion. 👍

📌One last thing...
You might be surprised to see that raw land is on this list.🚜

YES, land is speculative!

For one, it can be very illiquid (i.e, hard to sell if you ever needed to.)

It can also come with lots of surprises and cash-intensive needs before it’s workable or usable. I’m NOT saying owning land is “bad,” I’m encouraging you to be wise with these kinds of decisions when tying up significant amounts of your capital when all the risks are unknown.

As with everything in finances, a highly personalized review and support is the best way to avoid major mistakes and continue building ongoing wealth for you & your family!

If you're ready to talk about it, DM me! 👋

Since we just passed tax day, I thought I'd share THREE big accounts you should know about if you're trying to grow your wealth and plan for the future! 🔥

If you're looking to reach the next level of financial stability, beyond just comfortably paying the bills and chipping away at debt, but TRULY building wealth and making your dreams come true....

I'm here to help you 👋

I help couples and families change their lives using proven strategies for wealth building through investment management, 100% personalized and curated to your unique needs and goals.

Wanna chat more? Send me a DM! 😊

Get yourself a financial goals bestie 😘

This is my long-time family friend Kate (yep, name buddies too), who I had friendly compensation competitions with as we were both in the financial world, but in different roles. We were childhood besties, both upwardly mobile in our careers, and really kept each other growing - it was such a serious blessing!

We had so many good money pep talks along the way.

Here we are being super bougey in Oregon wine country at a Pinot Noir festival. 😅 Those necklaces are called “wine yolks”... so you can go hands-free 😂🤓

Kate was essentjal the only other person I could disclose 100% my salary, vacation time, benefits, etc. to. In a world where talking such hard numbers would be considered seriously tabboo even with your closest friends, I'm so grateful for this relationship!

We would share all that information without shame, and keep each other motivated as we hit new bonuses and promotions. We hyped each other up about the next big goals, and we made them happen.

I love seeing where we're both at now, in part because we had someone we could talk to about money.

This is the magic of the work we'e doing 🥰

Toxic "beauty" culture is costing us, literally.

There is a huge expectation put upon women and girls to fit themselves into an unrealistic and toxic standard of beauty based on photoshop, airbrush, and completely unhealthy celebrities and models.

But this is a highly profitable culture to be a part of.

When every girl is raised believing that being "presentable" requires makeup, nails, and hair products - sometimes hundreds of dollars worth - there is a LOT of money to be made off our daughters' insecurities.

This goes even further as botox and cosmetic surgery have become more & more popular in younger and younger women, all to forcibly and medically alter their bodies to meet the toxic beauty standards of our world.

And while I have a lot of personal qualms with these industries - no one is forcing us to give our money to these overlords, women.

Imagine what your financial future could look like if all the money spent on unnecessary beauty products and procedures actually went into an investment account and started making you MORE money 🤯

Just a little something to think about 🤔😊

Drop some more financially "sexy" things in the comments 🔥😍👇

For real though - what if the definition of an attractive woman, was a woman who had her financial stuff together!?

🤔

Set your reminders! TOMORROW I'm going Live at 11am central, to discuss this *huge* topic, on what it actually means to invest in yourself.

What questions do you want me to answer in this live!? Drop a comment and let me know 👋👇

See you then 🩷

"Someone's sitting in the shade today because someone planted a tree a long time ago."

I absolutely love that quote, and it is so true.

There is this notion that when kids are raised with wealth, or even handed wealth by their parents who intentionally created it for them, that they are doomed to be spoiled, lazy, or disrespectful -

That the best people grew up poor and didn't have anything handed to them.

Let me present you with a different idea:

What if your children grew up with a healthy, balanced relationship to money? What if they were taught skills about how to intelligently manage their money throughout their childhood, including how to live on a tight budget? What if they were encouraged to find creative and meaningful ways to make their own money, and taught smart things to do with it?

And then, what if, when they were ready to buy their first home, they had the possibility to do so, with the money that you built for them throughout their childhood - no matter what the market looked like at the time?

Parents, we have a responsibility to our children. We have a choice to be raising financially fit people, and we have the tools to do so.

Start with Godfrey's amazing book.

And if you're ready to start building accounts for your kids (or yourself!), send me a message.

Understanding the difference between "abundance consciousness" and real willingness.

Where are you spiritually bypassing the real money work?

Don't worry, it happens to every single one of us.

But this nuanced conversation needs to happen, especially for those of us that are very much interested in sovereignty, spiritual exploration of the divine, and personal freedom.

We know that money can be magic.

And, we know that just like anything else in life, there is real, concrete work to be done to manifest it.

But that should not block you - in fact, it should inspire you! There are clear, real world next steps that you can take right NOW to start growing your wealth!

I'm here to guide you through them 💜

Remember that thing you stopped buying, or said "no" to, because you wanted to save money?

Maybe it was a $40/month gym membership?

Maybe it was a $200/month online course for your business?

Yeah...

How is that money doing in your savings account every month? 😇 It’s probably NOT, amiright?

It’s likely just being funneled elsewhere, right?

I bring this up because it's SO common to skip things that are really serving us or building the wealth of our lives in the name of *saving money* when in actuality, the money isn't being saved at all.

It's being used for something else.

You're not saving money. You're trading it for something that you've decided - on some level - is more important.

And that is totally OKAY!

Maybe paying your bills, getting out of debt, and high quality groceries are the trade-off for the things you've cut out. That's great!

But let's watch our words.

A real savings would be “I quit this subscription and every month I now invest that same amount for my own goals”.

So when we simply make a trade let’s be able to say, "I'd rather buy nicer groceries than pay for a gym membership". Cool.

And here’s what saving money actually looks like:

A new client of mine was still paying their Private Mortgage Insurance (PMI), which was about $80/ month.

This was unnecessary, because I noticed they had earned over 20% equity in their home at this point. One call to Wells Fargo and that was taken off their mortgage payment!

Secondly, I suggested they not make an extra $100/ month payment on their mortgage because their interest rate was only 3% ...so their extra $100 a month could potentially earn them a better return than that.

So we funneled that extra $180/ month that they decided to stop spending and put it towards an automatic investing plan into two new Roth IRAs. That money will grow tax-free and is the beginning of a great retirement strategy. 🤯

Now that is truly saving for yourself (and your future self)!

If you want to learn more about how you can save more & you have the willingness to implement it, let’s talk! 👋

Do you have a 529 for your kids?

You don't have to be planning on college to be contributing to one!!

See my recent reel all about the new law that allows for a LOT more flexibility when it comes to how you utilize the funds in a 529, it's amazing, and something that every parent should know! 🎊🙌

This is the work of generational wealth building! Set them up for SUCCESS.

Need help getting started, or managing what you've got? That's what I'm here for 👋

The "investment" of home ownership is NOT what you think! ⚠️ 👇

Particularly if you're in the middle of a major life transition or change, buying a home might not actually provide the security and investment opportunity you're hoping for.

I see a lot of women in my practice who are in the midst of divorce, working so hard to secure the home ownership as things get separated, and later regretting that they forfeited the settlement money that could have genuinely helped them for things like childcare, etc.

But this goes for ANY person considering buying a home. I'm not saying don't do it. But what I am saying is, if you'e looking to *invest*, there are WAY better ways to have your money work for you than home ownership, which carries a lot of risk.

There are clear trademarks of investments, and your home simply doesn’t meet this definition.

Your home requires additional investments from you. Every day, you maintain your home, pay for taxes and insurance, and even once you own your home outright, you’ll continue to do this. It is a cash flow intensive asset.

Not to mention, you always need somewhere to live, so even if you’ve received a huge gain on your home, how do you access it? The only way is to sell it or borrow against your home’s value.

On the other hand, a true investment is something that pays YOU; an asset that takes care of you not only through the possibility for long-term appreciation but also dividends or interest over time.

Trust me, I speak from personal and professional experience on this one. It's often best to just let the dust settle and see where you truly want to be on the other side of a major life transition, rather than jumping into a major commitment like buying a home.

What do you think? Are you renting or owning? What do you love/hate about it? 👇☺️

If you are saving or investing some money at the end of every month.... STOP! ⚠️‼️🚫

That is a recipe for hyper-sensitive and stressful budgeting all month long, and NEVER actually getting the amount into your savings/investing accounts that you really need to be growing actual wealth.

After over a decade of using the Portfolio Payday system, this is the first thing I mention to families who want to grow their wealth.

You won't get anywhere big, tossing "what's left" at an account every month.

You need to make your investments your *first* priority, and then spend the rest of your money guilt-free, all month long - it's an AMAZING feeling.

That 👆 is financial freedom.

I'll set up your investment accounts and manage where your money flows each month as your Personal CFO so that you don't have to sweat about it. Just DM me 👋😊

Have you ever heard of a "Portfolio Payday"? What does this idea bring up for you?

Here's your morning add this into your for today.

Today's financial term is Asset Allocation. Think of asset allocation as the art of balance within wealth creation.

Your daily money affirmation, read it and notice how you feel.

Have you heard the term, 401k rollover before?