Shame and Guilt – blocking Wealth Building Most conversations about wealth building focus on behaviour: budgeting, saving, investing and planning but rarely emotion. Shame and guilt can have a massive influence on our decisions, and they are frequently woven into the money scripts we pick up early in life. If you’ve ever looked at your […]
View ArticleFinancial Planning, Money Scripts and Money Mindsets, Retirement
Transitioning into retirement is rarely easy. I met with a client earlier today who is fast approaching her planned retirement and feels deeply uneasy about the shift ahead. On paper, she has sufficient resources to last her lifetime. She has saved consistently, planned carefully and done everything “right”. She said to me: “I know […]
View ArticleI’ve always felt a real energy when I’m working with a couple on their financial future and both of them are fully engaged in the process. You can see it immediately. The conversations are better, the decisions are clearer, and progress feels more intentional. I’ve seen the difference it makes when money stops being an […]
View ArticleThe 4 Money Scripts We All Picked Up as Kids (And that are probably still running your financial life today) 1. Money Avoidance Core belief: “Money is bad, dirty, or the root of all evil. Wanting more makes you a bad person. Rich people are greedy.” What it looks like as an adult: Under-earning on purpose, […]
View ArticleLast week, I had the privilege of guiding a young couple through a comprehensive review of their financial trajectory. By analysing their current financial habits, I illustrated where they would stand in 10 to 20 years if they continued their current spending patterns without strategic adjustments. I then introduced a strategy of extracting surplus cash […]
View ArticleThis week, I was reviewing the plan for a new couple in their 30s. The projections looked incredible – almost too good. I double-checked the numbers, confirmed the assumptions, and ran the calculations again. Everything checked out. Then it clicked: at just 36, they were 10–15 years younger than many of my typical clients. […]
View ArticleOn Friday, as we were getting in the car, Tobin asked, “Dad, how do I invest in Bitcoin?” Not what I was expecting on the way to tennis! We spent the journey talking about: • What an asset is – things you own that can grow in value. • Why time horizon matters – […]
View ArticleApril 2008, the global financial crisis unfolding and in much need of headspace I set off on my motorbike for an adventure in Morocco. A few days into my ride I headed off-road from Midelt to Lac Tislit. Not far along, the track dropped down a steep slope. Once I committed to that descent, there was […]
View ArticleUse Your Money as a Tool for Better Health On Sunday my dad is boarding a plane to Lithuania. It’s not a holiday, it’s for a knee replacement! It was an easy decision for him – he still has the energy and enthusiasm to live life fully, but pain has made even small things – […]
View ArticleInvest for the memory dividend This week our family came together in Donegal to celebrate the 50th wedding anniversary of my parents. We had a blast. Perfect weather. Sea swimming. Tennis. My son got a fish with a speargun. We watched dolphins playing in the bay. The kids cajoled their grandfather into an early morning […]
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