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And simplify the way your spend.

You’ve heard it before… you have to track your spending, you have to budget! People make thousands of dollars selling fancy budget trackers and excel sheets so that you can track Every. Single. Dollar. Every. Single. Month.

But when does it end? Does it ever stop? Will there ever be a day when you’re not budgeting? Is there another way?

Let’s find out together!

Photo by Lukas Blazek on Unsplash

Benefits of budgeting

In my opinion ‘budget’ is a bit of a 4 letter word, but there’s a reason budgeting was probably the first piece of personal finance advice you received. …


For the year

I’m back baby! Back to investing that is!

If you follow me on Instagram, you’ve probably heard that 2020 was a financial doozy for me- along with the rest of the whole wide-world. Personally, I had increased financial medical expenses from:

  • Breaking my arm — be careful my biking friends!
  • Pet care expenses from dog surgery — best money I’ve ever spent, my 17 yr old Jack Russell Elton is feeling better than ever!
  • Hurricane Zeta- I moved from Charleston, SC to New Orleans, LA almost 2 years ago and I can’t seem to escape the hurricanes!


Check these 6 items off your list first.

You’ve heard the hype. Bitcoin, Gamestop, the S&P500, rental homes, options trading, NFT (non-fungible tokens)- everyone’s talking about it.

What am I talking about? Investing!

Investing

I’m here to tell you that investing FOMO is real. Especially if you’re following financial accounts on Instagram or forced to listen to that rich uncle during the holidays. I hear you, you want to get in on the action. Why not now? Time is money, am I right?

Well, maybe. Yes, I encourage people to invest quickly because compound interest is powerful and time is the secret sauce of that power. …


Taxes! Taxes! Read all about it!

Doing My Own Taxes

I’ll be honest. I’ve been doing my own taxes for the last 15 years and have learned many lessons along the way. I *thankfully* have never had an audit, but have also never received any notices of mistakes or errors. I’ve switched this year, only because I started 2 businesses in 2020. One of best lessons I learned from working with rich people for years was….know when it’s time to get help. Stay tuned for an upcoming post on other lessons I learned from working with the wealthy.

I’ve done taxes for friends and family too. Doing taxes calls on…


So many retirement accounts, so little time.

What do you dream of in retirement? Playing your favorite sport everyday? Living on the beach collecting sea shells? Gardening? Traveling the world? Staying with family?

Wherever your day dreams take you, one thing’s for certain: You’ll likely need an account to park and grow your funds. There are many options to choose from and that’s what we’ll review in this blog.

A recent study showed close to 50% of Americans do not have any retirement savings, despite 57% naming retirement as their top financial priority. These Americans could have a ‘defined benefit…


Now might be the best time to make money moves. How do you make money moves? Leverage! Leverage is basically utilizing someone else’s money to invest in something that will gain appreciation or income.

What’s the #1 thing you need for leverage? A beautiful looking credit report! In my opinion, it’s one of the most undervalued parts of your financial profile.

Photo by Jan Kopřiva on Unsplash

Here are just some of the best benefits of having a good credit score (740+):

  • Get lower interest rates on all your mortgage, auto loans, auto leases and other lending products. …

Months late Congress was able to pass the second stimulus package just in time for Christmas. If you’re like me, you have a million priorities on your plate and are trying to balance spending money on bills and spending on some much needed self care. Well I have a few suggestions, that include more than just the bills. Keep reading to learn more.

Before we continue, let’s review a few facts about the latest stimulus.

Photo by Alexander Mils on Unsplash
  • If your single and made less than $75000 you should receive $600.
  • If your head of household (earn < $112,000) or file jointly (earn <…


Ok, let’s talk about the 2 most uncomfortable subjects in one blog, shall we?! Relationships and money, here we go!

Lucky for you I’m an expert in uncomfortable conversations and have helped hundreds of couples start talking about money. These couples included people who were dating, engaged, married, same sex, married decades, divorcing, married multiple times, widowed and more. With that said, I’ve seen my fair share of money dynamics and although you never know what happens at home — from the conversations I’ve had you start to learn what works and what doesn't.

Now, for my own experience. I…


Spreading financial literacy is one of my 2021 resolutions. So, if learning more about your finances is on your resolution list… keep reading!

But, before we jump into the terms, a quick story.

When I got my first job in financial services I knew NOTHING about the industry… After training at a bank I became more familiar and curious about finances. It took me time to learn all the bank jargon on top of the financial jargon… and when I got my investment licences and took MBA level investment classes — yup, you guessed it! …


I was cleaning up the old bookcase the other day and came across one of my favorite personal finance books- Rich Dad, Poor Dad by Robert Kiyosaki. It was a game changer for me, and I recommend giving it a read if you haven't already. The premise of the book is Robert recaps the lessons he learned from his friend’s father- who is a successful entrepreneur and contrasts this against the advice of his own father, who has a hard time seeing beyond the standards of higher education.

It got me thinking, what lessons have I learned from the rich?

Genevieve at Holistic Personal Finance

guiding you on your path to financial wellness

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