Ebb and Flow

Ebb and Flow

It’s the end of the year as I write this, and my daughter and I are taking a much-needed break from the business of life by spending a few days in Florida. We’ve been fortunate to have warm weather and beautiful sun. Watching the rhythm of the ocean has made me...
Inflation, Interest Rates, and Fed Policy Explained

Inflation, Interest Rates, and Fed Policy Explained

In April 2022, after the Federal Reserve made its first rate increase in about 3 years,  we suggested some financial moves to take advantage of still low interest rates at the time. We’re now revisiting the inflation and interest rate conversation for two reasons:...
The Power of Multiple Streams of Income

The Power of Multiple Streams of Income

By Vaishali Shah and Sophie Carpenter   Cash flow fuels our financial growth, and in the modern economy, achieving financial freedom requires more than just saving. The budgeting mentality puts a lot of emphasis on reducing expenses. But, you can only reduce your...
Inspiration for Your Life Vision

Inspiration for Your Life Vision

By Sophie Carpenter Have you ever found yourself staring at a blank page, struggling to find the motivation to work on a project? That frustrating feeling can be hard to overcome. Staying inspired is necessary to fight burnout and to guide you on a fulfilling journey....
Cash Emergency Fund: Is 3 Months Enough?

Cash Emergency Fund: Is 3 Months Enough?

Today, we’ll challenge the popular advice of keeping an emergency fund of 3 to 6 months for financial emergencies. We believe that 3 months is simply not enough. A cash emergency fund plays a crucial role in your long-term financial plan, acting as a shock...