How Stress Affects Your Finances & What You Can Do About It Right Now

Our support group (“I HATE Budgeting but I like having money”) was delighted to have mental health counselor Elizabeth Galanti ( present this topic to us. She started the conversation by asking us all to take a moment to think about money. Most people admitted to feeling anxious.

She shared that 75% of people feel anxious about money and this is largely due to three causes:

  1. The “stories” we inherit from our parents about money (such as “We can’t afford that!” and “Money doesn’t grow on trees!”)
  2. The stories make up in our own heads about money (such as, “We’d be happier if only I earned more money,” “Rich people are greedy,” “I don’t deserve more money when others are struggling” etc.).
  3. Expectations we accept from others or place upon ourselves when it comes to money.

In addition, your generation can possess a unique money challenge – such as Baby Boomers concerned that they don’t have “enough” money to retire and Millennials being burdened by student loan debt. In fact, AARP just published a story that indicates that 50% of both of these groups feel financially insecure (

Elizabeth explained that anxiety is a basic indicator that we’re in danger (physically or emotionally) and, therefore, it is a useful and important physiological response. “The big black bear” shows up in all of our lives at various times in various disguises.

The reality is, however, that there is usually no big black bear. (Check out my TEDx talk about this subject.)


The fear of loss (of money, stature, position) or failure is very great, even though it is not physically a threat.

She further pointed out that
“the anxiety isn’t the problem;
it’s our resistance to acknowledging what the anxiety is telling us
that is the problem.”

Parents often model the exact financial anxieties and fears they hope their children will never experience.

When feeling emotionally/mentally anxious, you can ask yourself:

  • Where does this fear come from?
  • How far back does this go?
  • Does this fear belong to me or to someone else?

Thankfully Elizabeth gave us some strategies for dealing with this anxiety.

First of all, deep breaths are always a good idea; they send a message to the brain that you’re safe, that you’re okay. Then your rational (smart) brain can go to work figuring things out. Here is her 5 step process:

  1. Create a plan (Of course I’m in favor of this not only because it’s the work I do but because it works.) If you are worried that you’ll run out of money, for example, crunching the numbers or having a professional help you crunch them can direct you toward some options, solutions, and answers.
  2. Start small
  3. Focus on the positive (it gives you the necessary encouragement)
  4. Use anxiety as a temporary motivator to take action
  5. Let the anxiety go; what’s the worst that can happen? What’s the probability that the worst will happen?

There is no big black bear.

Unless, of course, there is.

Or a skunk.

skunk In which case, your money is the last thing on your mind.

Posted in Budgeting, Personal Finance with a twist, Psychology of Money | Tagged , , | 1 Comment

What a Personal Financial Policy is & How it Makes Your Life Better

Most of economic theory is based on the assumption that we make rational, logical, and beneficial financial decisions. Ha! Most of us make purely emotional (or “socially informed”) decisions about money most of the time, some of which may be beneficial, but most are not.

Why? Some people find the whole topic of money confusing and/or uncomfortable, some are concerned about how their financial actions, decisions or outcomes will be judged by family members, friends and colleagues (humans are judgmental little buggers, especially when it comes to money) and most of us can’t be sure if/when people are telling us the truth, or even if we’re telling ourselves the truth. This makes it difficult to make a rational decision, so instead we either make an emotional one… or procrastinate.

I’ve been studying the concept of a Personal Financial Policy, especially from Dave Yeske, DBA, CFP® and Elissa Buie, CFP®’s article in the “Journal of Financial Planning” about decision architecture. Creating a PFP is a way of understanding yourself  and what’s important to you so that you can make good decisions with your money ― no matter how emotional you may be at any given moment ― that reflect who you are and what’s important to you.

The “I HATE Budgeting (But I Like Having Money)” support group met a few weeks ago to discuss this concept so I’d like to share some of the insights from that meeting.

A Personal Financial Policy (PFP) can be a budget, but it can be much more. I feel that one of the major aspects of your policy should be how and why you spend and save your money on a day-to-day basis.

According to Yeske & Buie, “The dual characteristics of a good policy require that it must be broad enough to encompass any novel event that might arise, while being specific enough so that we are never in doubt as to what actions to take.”

Your policy could include as many or as few categories as are beneficial, such as how much you’re willing to spend on pet emergencies, how much you can stock up on a favorite shampoo that’s on sale, how many birthday parties your child will attend in a given year, how much you will give to various charities each year, etc. When it’s your “policy” to act a certain way with regards to your money, you can experience the emotions without being led by them.

A PFP can also guide you when a major financial event (positive or negative) happens; like receiving a windfall or losing your job.

For example, if you should you receive a large amount of money (lottery, inheritance, settlement), having a personal financial policy in place before such an event can help you decide how you would use money (i.e. % or $ how much to give to family/friends, spend on fun/extravagant/once-in-a-lifetime things, how much to save, pay off debt etc.).

When you’re aware of how much you need to live and have agreed to a personal policy to budget and save, you’re more likely to have saved up a cushion in the event of a job loss or major expense so that you can afford (emotionally as well as financially) to be less stressed, should your employment change.

What do you think, can a PFP be helpful to you?

If you’d like to this explore more, I invite you to schedule a complimentary initial consultation at under the “Let’s Talk” tab.

Want to learn more about your emotional financial decisions or those of your spouse? Read the book The Money Code.

One of the supporrt group members shared with us the brain child of a Google Engineer, a leadership program called Search Inside Yourself ( which helps you develop mindfulness, purpose and balance; all key strengths as we lead our own lives.

Be well!
Amy Jo

Posted in Budgeting, Charitable giving, College, Faith & Finances, Goals, Insurance, Investing, Living the life of your dreams, Marriage and Money, Money & Spirituality, Money in relationships, Personal Finance with a twist, Psychology of Money, Retirement, Saving, Tackling debt | Tagged , , | 4 Comments

Financial Survival Skills & The Fate of the Cake Plate

I decided I would save my family money by painting our kitchen myself. I’m a pretty good painter, a friend who is an interior designer helped me choose paint colors, and Home Depot offered a rebate on paint. The kitchen looks great bkitchen cornerut three days later I could hardly move; I threw out my back.

This period of pain seemed to be only helped by reclining and, therefore watching TV. I got to watch several episodes of “Naked and Afraid,” on the Discovery Channel which tracks a man and a woman trying to survive in a variety of settings. Some made it, some didn’t. The most crucial components of survival was finding a source of water, making a fire to boil the water (or risk becoming ill) and to cook whatever food was caught, finding said food and building a shelter. Oh, and warding off spiders, scorpions, snakes and other critters.

It was clear that the two “survivors” were dependent on each other and had to work hard to support one another.

This got me thinking (my husband says that I think too much) about basic survival and how far most of us are from that. Think about it. Think about the (physical) comfort and (physical) security you currently enjoy and that you can devote your energy to other pursuits such as art, sports, reading, music, hobbies etc.

I recently shared a blog post by Mr. Money Mustache, a frugal favorite, titled “Happiness is the Only Logical Pursuit.” (I tried to give you the link but that’s not allowed, probably because MMM very much wants to control his content and traffic, and I don’t blame him.) In the post he describes Maslow’s hierarchy of needs, with basic living essentials at the bottom and self actualization (“be all you can be”) at the top of the pyramid. He creates this visual adeptly. He inserts the idea of how consumption affects all the levels of the hierarchy; for good and for evil.

The Minimalists wrote this great book titled Everything That Remains. There are so many quotes I could share with you from that book but we’d be here all day; just read the book. One I will include in this post about survival is, “Sure, I need money to pay for the basics, but I don’t need to struggle earn money to buy crap I don’t need anymore. This thing called minimalism has allowed me to get rid of life’s excess so I can focus on what’s essential.” (I wrote about the benefits of minimalism in regards to budgeting previously.)(I will say it’s likely much easier for two bachelors to embrace the idea of minimalism than a married-with-kids person, just sayin’.)

But the idea gives me pause.

Do I “need” the crystal cake plate given to us for our wedding that I’ve honestly used only once?

Will my Linked In connections determine my success as a financial planner?

Will Great Britain’s leaving the European Union change the trajectory for my financial life?

No, of course not.
But you must think about these aspects of life when you sort through the clutter in your life and decide where to focus your energy and what to simply let go. (Let me know if you want the cake platter.)

Money can give us the illusion of feeling “secure.” But security is not found in money. The money is an indication that you don’t have to ask anyone for help; a way of stating that you got your you-know-what together and you can support yourself; that you are self-sufficient. That’s not the same thing as security and, sometimes, no matter how much money you have, you may never feel secure.

Security is found in personal resilience, living a life of purpose, and in maintaining good, respectful relationships based on common values and goals.

Back to our naked-and-afraid survivors. In several episodes inevitably one becomes ill or injured and cannot do the work of finding water, gathering firewood/making a fire and/or hunting for food. The well-survivor picks up the slack. The well-survivor does not hoard the water and food out of spite or greed but, rather, shares and tends to his/her companion. That’s the deal.

Our insecurity (especially around money) is most likely a feeling of insecurity in a relationship, that the other person will not have our backs. Okay, another quote from Everything That Remains, “But many of the things we cling to in search of security actually drain the satisfaction from our lives, leaving us discontented and overwhelmed…Discontentment is uncertainty. And uncertainty is insecurity. Hence, if you are not happy with your situation, no matter how comfortable it is, you won’t ever feel secure.”

That’s a lot for noon on a Friday but there you have it. You know I don’t mentally swim in the shallow end 😉

Take away: Create a Self-worth statement listing all of your assets (talents, skills, abilities, attributes) and the areas you will strengthen (such as limiting beliefs, scarcity mindsets, etc.) by devoting your time and energy to them.

Be the survivor, not the cake plate.

And please share this with someone you love. Most people don’t know the first thing about money management and this blog is a safe place that allows them to learn about this challenging aspect of human life in a judgment-free zone.

Be well!
Amy Jo

Posted in Living the life of your dreams, Marriage and Money, Money in relationships, Personal Finance with a twist, Psychology of Money | Tagged , , , , , , | 8 Comments

The Likely Reason Why You Haven’t Done Anything With your Finances & Why It’s Okay

I was recently hired by a couple who originally met with me almost four years ago. The husband’s reason, “I wasn’t ready.”

Another couple is hiring me after about two years and only on a limited basis because, “We’re never going to fill out all of that information. We’re just…not,” (I ask for a lot of information so I can look at your financial life holistically).

A woman is committing to working with me after “only” a year of originally meeting with me.

You may wonder if I simply have terrible closing skills and for many years I did, too. Since being in private practice for nearly six of my twenty-three years in the business, I’ve learned that people just have to be ready.

There is a LOT of information available to help you improve your finances, mostly free (because marketing coaches tell all of us to get people to sign up for our free newsletters and blogs to attract potential clients). The problem is determining if it’s applicable to you and your unique situation and if you’re ready to tackle this aspect of your life. Not knowing (a) if it’s true or (b) if it’s applicable, most people simply procrastinate. (And you thought it was just you!)

Deciding to tackle something as big as your finances is a huge step and if you’re not ready, don’t waste your time (or money) going through the motions.

Most of my industry (and most profit driven industries) NEED you to ACT RIGHT NOW so that they can make money RIGHT NOW. This rush-rush-do-do attitude should be a red flag for anyone in the midst of making important financial decisions. I say thumb your nose at the whole thing and take your time developing clarity on your goals, priorities, values and motivations while also thinking about any obstacles (real or imagined) that may be standing in your way.

The financial planning process uses the following six-step model:
1. Establish the relationship, identify goals, needs, objectives
2. Gather data
3. Analyze data
4. Develop & present recommendations
5. Implement recommendations
6. Monitor results

Anyone jumping from the front edge of step 1 to steps 4 or 5 is selling something, not providing professional advice. Would you trust a doctor who prescribed something after only hearing about one aspect of your health? No, of course not, and this is the same reason why some of you haven’t “done” much with your finances.

I read an excellent article in the Journal of Financial Planning, Motivating and Helping the Overspending Client: A Stages-of-Change Model.” The authors (a PhD, Ed. D, and CFP R professional) suggest the following five-step phase identifier (originally developed by James Prouchaska, Carlo DiClemente and their colleagues) to determine readiness to change (spending, quitting smoking, weight loss etc.):
1. Denial: People in this phase typically deny any problems and/or blame others.
2. Ambivalence: From the article, “Ambivalent clients need to have someone acknowledge both sides of the argument in their head and heart.”
3. Preparation: You’re ready to do something
4. Action: You are doing something!
5. Maintenance: Keep doing that!
Then, in the event the client struggles with some old behaviors:
6. Relapse “Do you need new skills, or more strategizing about how to stay on track?”

Two critical questions the authors suggest asking are:
1. How important is it?
2. How confident are youthat you could do it? I would add, how confident are you that your advisor can and will help you?
The answers to these questions can indicate whether or not you are ready to tackle your finances.

Changing behavior is enormously difficult, but it’s easier and more possible when you identify what Tracy Brinkman from Your Success At Last calls your unique DNA:

Knowing what drives or motivates you to make a change in your life as well as what you need and how you can best be rewarded increases the likelihood that you will follow through. If any of the components are missing, you’re less likely to be successful.

As you view the image below, you can see at the core of our financial picture is our beliefs, values, behaviors and emotions. These include the belief that stocks perform positively over the long-term and in things like karma and the golden rule.


holistic financial planning

Outside of us are all of the things we do with money: earn, save, protect, invest, spend and give/share.

In the italics are all of the influences that affect our financial decisions: relationships being the most significant but also our health, the environment we live in (physical, emotional, mental), our careers, our spirituality (however that is defined) and the community in which we live.

Financial shortcomings typically result in feelings of shame and in defensive or secretive behaviors which can cause further damage both to self-esteem and to relationships. We all can do better when we both know better and are fully supported to make the changes and choices that are best for us and our family. If you are ready to start taking some steps toward your financial well-being, I invite you to contact me to schedule your complimentary initial consultation. Plus, I always have chocolate in my office.

Posted in Budgeting, Goals, Personal Finance with a twist, Psychology of Money, Retirement, Saving, Tackling debt | Tagged , , , , | 2 Comments

Hate Budgeting? Minimalism Might Help

Wouldn’t it be great if you only had to afford stuff you really loved and regularly used?

Will Smith quote photo

<– And no matter what kind of stuff or how much stuff you have, some people simply won’t like you and that is okay. Really. Your bigger concern is you liking you.

“No wealth
can ever make a bad man
at peace with himself.”
~ Plato

Our support group discussed the idea of minimalism as a possible pathway to financial well-being. All of my professional organizer and Feng Shui expert friends extol the benefits of clearing clutter. One friend even blogged about A Love Affair With Stuff and how you can start to reform your ways.

When I was putting together the agenda for this meeting my first thoughts were about the obstacles to minimalism. For me, nostalgia is a huge obstacle; how can I throw/give away/donate my Mother’s china set even though I neither love nor use it? Taking a picture doesn’t do it for me; some things have emotional fingerprints that I don’t care to dust.

Another obstacle is the fact that the accumulation of things represents the fact that I don’t have the time to deal with it now and – if I’m being honest – most likely never will. Once in a great while I’ll get the desire to purge the house and then I’m off and running. But I cannot summon up this urge simply by putting it on my calendar; it must have something to do with the planets being aligned or my therapist telling me that I’m being selfish keeping things that other people could use.

And then there’s the collections. Have you seen my seashell collection? Most conjure up happy memories of days at the beach and trips to wonderful places (like Sanibel Island, Blue Monkey Bay in St. Thomas or the Isle of Man). Memories are a salve to our weary hearts. Did you know that seashells were one of the first forms of currency?

“After a visit to the beach, it’s hard to believe that we live in a material world.” ~ Pam Shaw

There are many reasons why we hang onto things, especially if we or our parents grew up during the Great Depression. Stockpiling was one of the many survival tools employed. Golly the fabric my Mother saved…but you never knew when you or someone else might need it and then you didn’t have to buy it. It makes sense, it does. Many of us stockpile items for fear we won’t be able find the same items later, for a better price, or at the same quality (and the stores definitely market to that fear.)

Obstacles aside, the group surprised me and came up with many good reasons to choose the noble path of minimalism. Here are some thoughts to ponder on the subject:

  • De-cluttering and downsizing is a gift to your children. Spending time together going through objects, photographs, cards etc. could yield many happy memories that you don’t have to clean or store in your basement and that your kids won’t have to deal with later.
  • If you have beautiful things, don’t suffocate their beauty with a bunch of clutter.
  • Real estate in some parts of the world comes at a hefty price. Don’t waste space storing stuff you don’t love or use. (And don’t pay for a storage locker.)
  • Forgive yourself for not using an item (like the darned gym equipment that’s haunting you from the corner of your “guest bedroom”) and just release it. Check out FlyLady (Fly for “Finally Loving Yourself”) for some advice.
  • Don’t buy it in the first place. If you must buy, follow these four rules:
    (1) You must love it
    (2) You must determine when you’ll use/wear/read it
    (I honestly thought I’d wear more sequined shrug sweaters)
    (3) Decide where it will live and
    (4) Decide how and when you will let it go.

Here are a couple gems provided by the ever-wise and sharp-witted Mari McNeil on stuff:
“Stuff is psychic weight,”
“Stuff keeps us from our mission, our lives.”
I’ll give you a minute to let those settle in.

Some of you, like me, have tried de-cluttering only to re-accumulate (what is that?) and have tried creating organized systems only to have your system fail (as one regular in the group says, “There were no papers in the ‘Important Papers’ folder”).

The pressure to de-clutter can haunt you; your presumed inability to complete the task can discourage you and thwart your efforts. Reinforcement (coaching, help) may be needed. One participant gleefully exclaimed, “I’m a maximalist!” (and we love her all the same).

Perfectionism can create chaos, too, because, really, things will never be perfect. Don’t let perfect be the enemy of good, just do what you can.

Some other quick tips:

  • Get books from the library instead of buying them so that our tax dollars are being utilized and your home doesn’t accumulate more stuff.

I watched an episode of HGTV’s Small Space, Big Style that featured a couple with ten bookshelves packed to the brim. The husband said something like, “People talk about getting rid of books like it’s a virtuous thing.” It’s good to know what you love. An empty house can feel peaceful and orderly but it can also feel cold and lacking personality.

  • Meet your neighbors: Borrow instead of buy.
    Be a neighbor, lend stuff.
  • Purge by category (books, photos, winter clothes, bedding etc.) or by area (i.e. one drawer, one shelf).
  • Have a swap party, it’ll be like shopping in your living room and not spending any money. This helps satisfy our desire for something new/different. The local chapter of one of the organizations I belong to, NYS Women Inc., holds it’s annual “trash ‘n’ treasure auction” when members bring all of their re-gifted (perhaps never loved) items for them to find a new home and fund our scholarship program in the process.
  • One Mom shared that she bought all the same black socks for her entire family, the diabetic kind that are super stretchy. They fit everyone and no one had to spend time finding the match.

The group declared the biggest benefit to being a minimalist is having
time to live your life, having peace, and enjoying freedom.

Be well my friends,
Amy Jo
P.S. Our topic in June is “Staycations, Sunsets and Other Joys.” Join us Saturday, June 4th 10am and/or Monday, June 13th 6:30pm, upstairs at Dog Ears Bookstore & Cafe.

Posted in Budgeting, Living the life of your dreams, Personal Finance with a twist, Psychology of Money, Saving, Tackling debt | Tagged , , | 2 Comments

What I See in My Work as a Financial Planner

As a CERTIFIED FINANCIAL PLANNER TM professional and as President of Lauber Financial Planning, a Registered Investment Advisor, I have a code of confidentiality, so absolutely no names or identifying information will be shared here – or anywhere.

Some years ago I went to a conference on charitable giving and the advice I received (rendered by the so-down-to-earth-I-can-forget-how-brilliant-he-is John Brown) was to say to the client, “I don’t know if this will work for you but do you want to know what other people in your situation do?”

Do you know why this works?

So let me help you indulge in some harmless financial voyeurism.

First of all, I don’t have any “silver spoon” (old money) clients.
Not one.
That’s unusual for a financial planner but that’s the reason I started my business: to serve people who didn’t already have gobs of money. As a result, I work with people who are anywhere from $100,000 in debt (negative net worth) to over $10 million in net worth. Pretty wide spectrum, I know. You know what? The zeroes don’t matter; we all have our issues with money and are all trying to do the best we can – with many or few zeroes.

Almost every person who has sat in my office has said that they, “live comfortably, but not extravagantly.” In fact, they almost all use that exact phrase: comfortable but not extravagant (of course every one has a different definition of “extravagant”).

Most of my clients describe having been some version of “poor” growing up and saw how discipline and hard work served their parents, (“We didn’t have a lot of extras but we always had what we needed,”) and have allowed those standards/values/ideals to guide their life choices when it comes to money. As a result, most have good marriages, many friends, a faith life (however they choose to define it), and have made mostly good/beneficial financial choices.

Cute story:
Some years ago, when I asked a client what the he thought his best investment was,
he replied, “My marriage license.”

Most of my clients want to know:

  • How to figure out where all of their money goes. In fact many people find me through the I HATE Budgeting (But I Like Having Money) support group. Believe me, you are not alone!
  • If they can retire (some want to know if they can retire today!)
  • When to take Social Security
  • If they should pay down debt or use extra money to build their savings
  • How to get on the same financial page as their spouse
  • How much they need to put in their 401(K) plans
  • How they can help their kids pay for college
  • What to do in case they need some form of long-term care (an aide, assisted living, nursing home care)

Several years ago, when I was still in “traditional” financial planning (i.e. investment management), I started noticing that even though we were managing clients’ investments for their retirement, very few clients had any idea how much money they spent each year. My colleagues didn’t want to make the clients uncomfortable by probing into their spending habits but to me it seemed foolish to guess at a number that was guiding all of our work.

Now the majority of my financial planning is based on cash flow; what you need to live the good life (as defined by you).

Many of my clients are engineers, most of them have created their own financial plan and want a second set of eyes on their work, validation if you will that they’re on the right track to retire.

Money and time 2The bigger issue is that, despite running numerous calculations and analyzing all of the available information, engineers know there is information that is not available,
and it prevents them from taking action.
They end up stuck, what many call “analysis paralysis,” possibly a form of perfectionism.

“What makes perfectionism so toxic is that while those in its grip desire success, they are most focused on avoiding failure, so theirs is a negative orientation.”
Don’t let perfect be the enemy of good.

If you find yourself unable to make a decision after weighing all of the options, here is an excellent article on overcoming this issue. And the financial planning process can help guide decisions based on what we DO know and what we CAN control.
This typically results in feelings of empowerment, which significantly reduces anxiety.

A colleague (and the inspiration for my business Sheryl Garrett) shared a very interesting article on expectations and happiness (or lack of): Almost everyone who is unhappy with life is unhappy for the same reasons. Your expectations and comparing yourself to others when it comes to money can make a good life seem less so. Please remember to be kind to yourself.

“Goodness is the only investment that never fails.”
~ Henry David Thoreau

Posted in Goals, Living the life of your dreams, Marriage and Money, Money in relationships, Personal Finance with a twist, Psychology of Money | Tagged , , , , , | Leave a comment

The moment in a parking lot that I realized a big truth

It was evening and I was walking to my car after a very interesting theater experience (about philanthropy, family, grief, and asking people for money, put on by Theatre For Change).  I was casually chatting with a client as we both walked through the parking lot.

She remarked how I think about money so differently from how so many other people – especially financial planners – do and I chalked it up to the fact that I am so different and, being the age I currently am, don’t really care about being different and it certainly isn’t a negative thing; I embrace it. But then something came out of my mouth that was neither planned nor ever consciously thought:

“I don’t want people to believe the lie about money.”

I think we both kind of gasped, at least I know I did. There it was, my truth, my mission, in one simple statement in a parking lot in Buffalo, NY.

I suppose, like an ex-smoker who feels everyone should quit because s/he did, I can be a little over zealous in my mission. Since I’ve believed the lie of money (“you must work more, earn more, have more in order to be happy, successful, and accepted”) and it occasionally reminds me of its allure, I can more easily spot it in myself and in others and I want so badly for people to live lives of peace and abundance, of truth and joy, of love and priorities. And I think most people want to live those lives, too. Therefore, I have work to do.

My work as a financial planner puts me in a position of doing many calculations to help people make difficult financial decisions such as when to retire, how much to put into a college savings plan or how to set aside but I always tell people, “Don’t fall in love with the numbers.” The numbers aren’t the story; their lives are the story. Money is the employee who fetches you great coffee so you can keep doing your work. (You can read more about this concept in: )

My family jokes that I have a sign on my back that says, “Please tell me your life story.” This personal trait of mine has lead me to have curious – and sometimes confusingly intimate – conversations with complete strangers while grocery shopping or waiting in line at Disney World. But, it has also helped me connect with people and discuss the intimate place in ourselves where money resides: Our Self-Worth.

You see, the truth, the moral of the life-story, if you will, is all about reminding people Don’t fall for the lie. It’s okay if you’ve fallen for it before, now you know better and can choose a different path.

Zig Ziglar said, “Money won’t make you happy, but everyone wants to find out for themselves.”

Like “The Force” in “Star Wars,” money can be powerful, it can be powerful for good as well as for evil. Join the resistance, leave the Dark Side!

To learn more about money, thoughts, values and relationships, check out any of my blog categories (listed to the right) and if you’re in Western New York, come to our support group: “I HATE Budgeting (But I Like Having MonDog Ears Bookstore & Cafeey),” we meet the 1st Saturday 10:30am-noon and the 2nd Monday 6:30-8pm, for a nominal fee ($5-$20pp), usually at Dog Ears Bookstore & Cafe where you may also purchase my books.

Peace and abundance,
Amy Jo

Posted in Living the life of your dreams, Personal Finance with a twist, Psychology of Money | Tagged , , | 5 Comments