Blog

Welcome! We think the world of finance should be easy to understand and apply to your life. Browse around; we have topics from budgeting, money mindset, how to's and checklists to wealth management, retirement readiness and travel tips! If you have a topic you'd like to read about, let us know! 

Happy learning, 

David & Gina

 

Thursday, July 22, 2021

For two weeks, all eyes will be on the 2020 Tokyo Olympics taking place July 23 through August 8. Over 11,000 athletes are slated to compete, even as the city faces a State of Emergency due to COVID-19. As we watch our favorite summer...

 

Tuesday, July 13, 2021

In March 2021, a year after the onset of COVID-19 in America, the $1.9 trillion American Rescue Plan was passed. In addition to stimulus payments, vaccination initiatives and financial relief for small businesses, this plan made some...

 

Wednesday, July 7, 2021

Preparing a strategy that is both advantageous and tax-efficient might feel daunting at first. Thankfully, there are some things you can do now to keep from overpaying this tax season. Build Your Team of Professionals You might build...

 

Wednesday, June 30, 2021

The Fourth of July is an exciting holiday that marks the independence of our nation with the signing of the Declaration of Independence. As you celebrate with good food, fireworks and pool parties this year, consider this: 2021 could...

 

Wednesday, June 16, 2021

It’s common for people to want to leave money behind for their children and family members after death. After spending years working to earn a living, people are proud to leave behind a legacy and help their future generations...

 

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Wednesday, June 9, 2021

Diversification is a well-known strategy to help reduce the risk of investment. And with international stock markets accounting for about 44% of the world’s capitalization, a broad range of investment opportunities exist outside...

 

Wednesday, June 2, 2021

Creating a plan for personal finances is essential, no matter how much money you make. This goes for celebrities as well, as a poor financial decision can lead to the same challenges as someone with a lesser income. Here is a list of...

 

Friday, May 14, 2021

Named the International Day of Families by the United Nations, May 15 is a day dedicated to communities around the globe and the families that make them special. In celebration of this year’s International Day of Families,...

 

Wednesday, May 12, 2021

You work your entire life and save diligently in order to enjoy your retirement. It sounds simple enough, but the realities of preparing for retirement can be much more complicated and overwhelming for some people. In fact, a recent...

 

Thursday, May 6, 2021

After 27 years of marriage, high-powered business and philanthropic couple Bill and Melinda Gates have announced on May 3 that they are divorcing. Bill Gates, the co-founder of Microsoft, is estimated to be worth around $130.5 billion...

 

Tuesday, May 4, 2021

Smartphone usage increased dramatically during pandemic. While they can provide endless entertainment, they can also be bad news for your budget. In fact, the combined global monthly amount that consumers spent on apps and games...

 

Thursday, April 22, 2021

Happy Earth Day 2021! 🌎 As of 2020, the world’s population sits at a staggering 7.8 billion people, and it’s growing every minute.1 That means that whether we’re aware of it or not, humans across the globe make a...

 

Thursday, April 15, 2021

Founded in 2012, Coinbase is a San Francisco-based central cryptocurrency exchange space. The company’s shares began trading on Wednesday, March 14 with a direct listing on NASDAQ. For many investors, this was an important event...

 

Tuesday, April 13, 2021

In one way or another, we all have a complex relationship with our own money. Because of that, it’s hard to be rational all the time in how we use it. But where do our behavioral biases come from, and what can we do to...

 

Wednesday, April 7, 2021

Following a year of economic instability, it appears that many of us are turning our attention to something that’s been around for decades, but has recently piqued national interest - inflation. In fact, a recent study found...

 

Thursday, March 11, 2021

In one of his first major moves in office, President Biden has signed the American Rescue Plan Act - a $1.9 trillion stimulus plan meant to extend, renew and implement relief for those affected by COVID-19. Below is a breakdown of...

 

Thursday, March 11, 2021

One year into the pandemic, individuals everywhere are experiencing emotional, physical and economical implications. In an effort to ease the pandemic’s detrimental effects, the federal government has recently passed a third...

 

Monday, March 8, 2021

When shopping for a new car, it can be hard to decide whether to buy brand new or save some money and get a used one. Neither option is entirely perfect, which is why we have gathered pros and cons to both new and used vehicles to aid...

 

Wednesday, March 3, 2021

Myths about working with a financial advisor abound, maybe you've even heard a few; "I don't need one," "they're for the mega wealthy," "there are lots of hidden fees." The truth is that financial education around saving and investing...

 

Tuesday, March 2, 2021

Several U.S. senators have proposed new legislation in an effort to raise $3 trillion in tax revenue over the next decade.1 Called the Ultra-Millionaire Tax, this new proposed legislation comes in direct response to the economic...

 

Tuesday, February 23, 2021

Scammers: according to the CFA, they’ve recently gotten bolder in their extortion methods, impersonating law enforcement on the phone and even threatening people on the other line.1 Scamming has been exacerbated even further by...

 

Friday, February 19, 2021

You know preparing and saving early is key to reaching your retirement goals - but as someone who makes six figures or more, you may have encountered some roadblocks. High-income earners face several financial hurdles when it comes to...

 

Tuesday, February 16, 2021

This tax season may be a bit different for many Americans, due to economic uncertainty and changes amidst the COVID-19 pandemic. Giving your tax return a bit of extra attention and effort could help avoid problems or identify...

 

Friday, February 12, 2021

Rushing to file your tax return before the deadline may mean making mistakes that could have been avoided. Here are eight steps designed to help tax filers save money and avoid surprises when filing this year. Step #1: Figure Out Your...

 

Tuesday, February 9, 2021

For many, preparing for retirement means spending strictly and limiting unnecessary expenses during their working years. Saving money is important, and people at every income level vary in their ability to be frugal. You may have...

 

Thursday, February 4, 2021

 

Tuesday, February 2, 2021

While President Biden has a packed agenda between combatting COVID-19, a slow-started vaccine rollout and economic instability, he has promised that from day one, he will “use the full authority of the executive branch to make...

 

Tuesday, February 2, 2021

During the last week of January, investors on social media platform Reddit appeared to have created a short sale opportunity with GameStop, AMC and other shorted stocks. Now, it appears that something similar may be happening to...

 

Friday, January 29, 2021

By now you've likely heard the news that stocks in some unlikely companies - GameStop, AMC, Blackberry - have suddenly soared. In fact, the New York Times claims amateur investors are "Beating Wall Street at Its Own Game" with shares...

 

Thursday, January 28, 2021

 

Friday, January 22, 2021

Student loan debt reached $1.48 trillion in America by the end of 2019, with approximately 45 million borrowers across the United States.1 Amidst the COVID-19 pandemic, many Americans have experienced financial instability. This means...

 

Thursday, January 21, 2021

Buying a house is exciting - and stressful. When it comes to purchasing your new home, it’s important to be realistic about what you can expect to pay. Beyond mortgage and insurance, there are additional costs all new homeowners...

 

Tuesday, January 19, 2021

Classic investments, like stocks, are not the only investments taxed by capital gains. Capital gains taxes can apply to any other property that acquires value over time. These taxes are calculated by subtracting the cost of the...

 

Friday, January 15, 2021

On Jan. 13, President Donald Trump was impeached for a second time by the House of Representatives - a first for our nation. Trump was impeached for his part in inciting violence against the United States government.1 This move comes...

 

Thursday, January 14, 2021

Your view on money is shaped by many things - how frugal your parents were growing up, how your partner spends money today, your income level and your overall financial literacy. But one factor you may not have considered before is...

 

Tuesday, January 12, 2021

With one of the most contentious elections in history behind us, President-elect Joseph R. Biden, Jr. is set to take office on January 20. In anticipation of a new administration, high earners especially are left wondering - how will...

 

Monday, January 11, 2021

 

Wednesday, January 6, 2021

 

Monday, January 4, 2021

When 2020 started, nobody expected natural disasters of historic proportion, the COVID-19 pandemic or the residual economic hardships that followed. But with the first year of the new decade officially behind us, how can you better...

 

Wednesday, December 30, 2020

It’s time for the new year, a new budget and a brighter future for you and your family. 2020 has been full of unprecedented events that may have left you feeling financially unstable, but you can make 2021 the year you take...

 

Monday, December 14, 2020

There are countless details and paperwork involved when buying a home. Organizing everything from start to finish requires considerable time and energy. One of the most important details to address is understanding the differences...

 

Wednesday, December 9, 2020

2020 has been a year of stress and uncertainty - but it’s also been a year that’s brought to light issues of social justice, climate change and social responsibility. As consumers, we’ve grown more conscious about...

 

Tuesday, December 8, 2020

Nobody likes to think of their parents getting older and needing assistance, but it’s a reality many of us face. An important part of caring for your parents as they age is identifying and protecting them from elder financial...

 

Friday, December 4, 2020

The season isn’t complete until you’ve watched your favorite holiday movie, right? And with the world continuing to social distance, it’s likely you’ll have some extra time on your hands this month to relax,...

 

Tuesday, December 1, 2020

As Americans, we love giving back. In 2017 alone, we shelled out $410.02 billion in charitable donations - accounting for 2.1 percent of the GDP.1 With the 2020 holiday season officially upon us, it’s no surprise that our giving...

 

Tuesday, November 24, 2020

Joseph R. Biden, Jr. will unseat current President Donald J. Trump in January, making him the 46th President of the United States. With a record-breaking voter turnout and a stressful week awaiting election results, most Americans are...

 

Thursday, November 19, 2020

The holidays are an especially wonderful time to teach kids about giving and serving others. Learning that "giving" goes beyond buying presents for loved ones and really means helping those in need can be an especially eye-opening...

 

Saturday, November 14, 2020

Sixty-five percent of college seniors graduating from private or public college have accumulated student loan debt. Of that group, the debt averages out to around $29,200 per person.1 And while student loan debt is a burden to any...

 

Thursday, November 12, 2020

It’s already November, and that means that the holiday season is officially upon us. Right about now we’re usually gearing up to gather with loved ones, shop for gifts and travel to see family - making it a cheerful, but...

 

Tuesday, November 10, 2020

 

Thursday, November 5, 2020

It seems that the second half of 2020 has been a popular time for large corporations to announce stock splits - including companies like Apple, Tesla and McCormick. This can be great news for eager investors looking to add these...

 

Monday, November 2, 2020

On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note. 401(k)sThe salary...

 

Friday, October 23, 2020

Open enrollment (the annual period where you can enroll in major medical health insurance plans), begins November 1, 2020 and will remain open for 45 days, or until December 15. For someone looking to change or add coverage, this...

 

Tuesday, October 20, 2020

So far, the year 2020 has been difficult for people around the world. Millions have been sickened by the COVID-19 virus, laid off from work and are feeling financially and mentally strained. It's been hard to find good news out there,...

 

Wednesday, October 14, 2020

On Tuesday, October 13, 2020, the Social Security Administration released important facts and figures for 2021 - including cost-of-living adjustments (COLA) for retirees and tax changes for the currently employed. The Good? Benefits...

 

Thursday, September 24, 2020

With companies opting to conduct business remotely in light of COVID-19, it turns out that remote work has its advantages. More than half of employees would prefer to continue working remotely, even after the pandemic is over.1 Yet,...

 

Wednesday, September 16, 2020

One of the biggest advantages of owning your own home (instead of renting) is the ability to build equity with it. From the initial down payment to your monthly mortgage checks, every dollar you put toward paying off your home is...

 

Friday, September 11, 2020

The average annual healthcare expense per individual rises from roughly $2,000 for 19-year-olds to about $11,000 for retirees (age 65+).1 As Americans pay more for medical care, they often seek ways to save for emergencies. Health...

 

Wednesday, September 9, 2020

The COVID-19 pandemic hit hard in early 2020, and it continues to remain prevalent as we near the end of the year. Whether you’ve just recently retired, or it’s coming up in the next few years, it’s likely the virus...

 

Friday, September 4, 2020

Beginning in February and March 2020, America, Canada and Europe locked down cities, closed businesses and halted travel amidst the onset of COVID-19. Six months later, we’re still experiencing the pandemic’s global impact...

 

Wednesday, September 2, 2020

 

Wednesday, August 19, 2020

 

Tuesday, August 11, 2020

 

Wednesday, August 5, 2020

Athletes are often treated like superheroes. For good reason, too - they undergo rigorous training, develop astounding mental strength and achieve what we call mental and physical peak performance. Studies even show that...

 

Thursday, July 30, 2020

Between popping the question and saying “I do,” you and your partner have plenty to plan. And while it’s not as fun as cake tasting, you’ll want to sit down together and discuss the expectations you have about...

 

Monday, July 27, 2020

Just entering the workforce or winding down toward retirement - it doesn’t matter where you are in your career, it’s likely COVID-19 has made its mark on your professional and financial life. But for those between the ages...

 

Saturday, July 25, 2020

If you’ve considered buckling down and getting serious about your portfolio, it’s likely you’ve come across the term “robo-advisor” before. What is a robo-advisor exactly, and how do you know if one is...

 

Wednesday, July 15, 2020

As many parts of the country starts to open back up, tourist hotspots cautiously follow — and after months of mitigation efforts, many Americans are itching for a vacation. Experts agree that outdoor activities carry...

 

Tuesday, July 14, 2020

Growing up, it’s not common that we’re taught practical financial lessons in school. While geometry is usually on the curriculum, everyday skills like budgeting typically aren’t. As we reflect on what we wish we knew...

 

Tuesday, July 7, 2020

 

Tuesday, June 30, 2020

Passive income is money earned in a way that doesn’t require much active effort, traditionally through investments or stake in a business. Active income, on the other hand, requires trading your time and participation or service...

 

Wednesday, June 24, 2020

According to a recent study conducted in the United Kingdom, 82 percent of people reported feeling regret or guilt over a past purchase. The most prevalent categories of regrettable purchases included takeout food, clothing and shoes...

 

Monday, June 15, 2020

Living through COVID-19 is stressful enough. Feeling hopeless about an unpredictable stock market certainly isn’t any help. If you’re one of many worrying about their investments, these are some dependable ways to reduce...

 

Thursday, June 11, 2020

Tax season is officially in full swing and while you’re probably focused on filing your 2019 tax return by the recently extended deadline of July 15, 2020, it’s never too early to begin preparing for next year.1 There are...

 

Tuesday, June 9, 2020

According to a recent survey by the Plan Sponsor Council of America, 16.1 percent of organizations have suspended matching employer contributions due to financial hardships caused by COVID-19. Worse yet, 1.3 percent of businesses have...

 

Wednesday, May 27, 2020

Although COVID-19 related restrictions are beginning to ease, many people continue to help slow the spread by staying home and self-isolating. There are still unknowns related to the pandemic and how it will play out, undoubtedly...

 

Saturday, May 23, 2020

COVID-19 has impacted nearly every aspect of the economy. When President Donald Trump declared the virus a national emergency at the beginning of March, standards of living rapidly shifted: governors enacted stay-at-home orders,...

 

Wednesday, May 20, 2020

As millions around the globe continue to work from home, it’s important to remain vigilant when it comes to staying safe online. Here are eight cybersecurity tips that you can start utilizing today. Tip #1: Encrypt Sensitive...

 

Thursday, May 14, 2020

 

Tuesday, May 12, 2020

Jessica Pryce-Jones, author of the popular book, “Happiness at Work,” says we’ll spend close to 100,000 hours working in our lifetime.1 It’s no wonder that even those who enjoy their job can feel the effects of...

 

Monday, May 11, 2020

Student loan reached $1.48 trillion in America by the end of 2019, with approximately 45 million borrowers across the United States.1 Amidst the COVID-19 pandemic, many Americans have experienced financial instability. This means that...

 

Tuesday, May 5, 2020

With millions of Americans jobless or furloughed during the COVID-19 pandemic, many are experiencing a time of heightened financial distress. And in an effort to “flatten the curve” while the virus spreads around the globe...

 

Saturday, May 2, 2020

The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, was passed at the end of March 2020 to assist families, individuals, small business owners and medical facilities across America amidst the COVID-19 pandemic.1 As...

 

Thursday, April 30, 2020

While you can’t put a price tag on our four (or two) legged friends it’s important to map out the long-term financial commitment to maintain a purrfect budget!

 

Thursday, April 23, 2020

It can take some time for employees to adjust to working from home full-time. Luckily, there are ways to make remote work easier on yourself, your employer and your coworkers. Below we’re offering seven useful tips you can use...

 

Tuesday, April 21, 2020

As we become more and more accustomed to social distancing, there are simple luxuries we all miss - going out to eat, hitting the gym, hanging out with friends, etc. If you’re like many people staying home, you might find...

 

Saturday, April 18, 2020

Your big day was supposed to be soon, but never did you think a pandemic would get in the way. Don’t worry, you’re not alone. More than half of this year’s soon-to-be newlyweds are postponing their weddings until...

 

Thursday, April 16, 2020

As of 2020, the world’s population sits at a staggering 7.8 billion people, and it’s growing every minute.1 That means that whether we’re aware of it or not, humans across the globe make a significant impact on the...

 

Tuesday, April 14, 2020

Amidst the global COVID-19 pandemic, there’s no doubt about it - these are trying times for everyone physically, mentally and emotionally. Even if you aren't a healthcare professional or other essential worker on the front lines...

 

Monday, April 6, 2020

Sometimes when it comes to credit card companies, if you don’t ask, they simply won’t tell. At the end of the day, card companies are like any other business, meaning they need a profit to survive. The Bureau of Consumer...

 

Wednesday, April 1, 2020

 

Monday, March 30, 2020

As technology advances and individuals seek more flexible work situations, the gig economy remains active. In 2019, 57 million Americans freelanced, representing 35 percent of the U.S. workforce.1 However, with a wavering economy as a...

 

Wednesday, March 25, 2020

With the onset of COVID-19 in America, investors saw the 11-year run of our bull market come to an end on March 11, 2020. As we entered a bear market, the Dow Jones Industrial Average experienced a more than 20 percent drop in March...

 

Monday, March 23, 2020

Beyond times like these last few weeks (March 2020), the stress of finances affects many people and can cause not only poor health but also family complications. Learning to control financial stress is vital to your health as well as...

 

Sunday, March 22, 2020

Social distancing is the main strategy being used across America to help prevent the virus from spreading. Events have been canceled, gatherings of large groups of people are prohibited, schools have temporarily closed or moved online...

 

Friday, March 20, 2020

To help prevent further spread of COVID-19, there’s a consensus that Americans need to stay home and adhere to social distancing practices. This is especially recommended if one feels sick or has a suspected or confirmed case of...

 

Monday, March 9, 2020

According to the CDC,1 the recent coronavirus (COVID-19) outbreak has claimed 10 lives and impacted nearly 100 people in the U.S. as of March 6th, 2020 and it has also injected a sense of uncertainty into the markets. If you’re...

 

Friday, March 6, 2020

March Madness is nearly upon us and as many of us know, this season highlight for college basketball fans is often full of upsets, underdogs and blowouts. Like investing, filling out a bracket involves balancing risk, reward and...

 

Tuesday, March 3, 2020

Between gathering the necessary paperwork and working through complicated scenarios, tax season can be a stressful time. You’ve worked hard throughout the year, and you want to be sure you’re taking the right measures to...

 

Friday, February 28, 2020

Health care costs have been rising for years. The issue is one that concerns most people and is one of the most influential when it comes to voters making political decisions. We’re concerned about how much it costs to be...

 

Wednesday, February 26, 2020

Opening up and starting conversations about how to handle money and finances with your kids may seem overwhelming, but it doesn’t have to be. As a parent, it is your role to serve as a positive influence in their lives to get...

 

Tuesday, February 25, 2020

Shopping and scoring great deals can be an amazing feeling. However, online shopping can be dangerous for your financial plan and your wallet if you aren’t cautious. If you prefer to shop online in the comfort of your own home,...

 

Wednesday, February 19, 2020

So, you want your family to start eating healthier, but you’re not a huge fan of cooking? Or maybe cooking a full meal after a long day of work, errands and school activities is the absolute last thing that you want to do....

 

Tuesday, February 18, 2020

Procrastination is a real thing that can trickle into other areas of your life. Financial procrastination is one of those areas. What is Financial Procrastination? Financial procrastination is when you have financial obligations and...

 

Friday, February 14, 2020

How many times have you gotten a reminder to update your password before it expires? Or to make sure your password contains a capital letter, number and symbol? It might seem feel like an annoyance at the time, but these are just some...

 

Wednesday, February 12, 2020

As we get older, more and more expenses end up on our plate. From mortgages to car repairs, it can feel like there are endless bills to pay. And as we all know, with more bills, comes more pressure, anxiety and stress. In fact, the...

 

Tuesday, February 11, 2020

Life can be expensive. This is just a simple fact when you add up all your monthly expenses versus your income. Your biggest expenses are obviously going to be your rent or mortgage, car payment, insurance, utilities, and grocery...

 

Friday, February 7, 2020

If you’re looking for fresh and revitalizing ways to start your day, look no further. Having a steady morning routine in place will help you be productive and make the most of your entire day. In this article, you'll learn how...

 

Wednesday, February 5, 2020

If you’ve been named a beneficiary or inherited an IRA, you’re likely facing some tough questions ⁠— what are the next steps and what happens now? Governing bodies like the IRS and recent legislation such as the...

 

Tuesday, February 4, 2020

There is no denying that money is an integral part of everyday life. You need it to pay bills, acquire possessions, get food, and save for the future. While it holds a certain importance in life, being prudent with money is also key....

 

Wednesday, January 29, 2020

If the idea of retiring in your early 50s’, 40’s, 30’s or even late 20’s appeals to you, you may be interested in joining the FIRE retirement movement. Designed for those who have both the discipline and cash...

 

Tuesday, January 28, 2020

There’s no doubt that adopting bad credit habits can plunge you into a cycle of constant stress and financial problems. Luckily, it’s never too late to correct course and whip your credit back into shape. Consider adopting...

 

Friday, January 24, 2020

Your honeymoon is probably one of the most significant and most extravagant trips that you will take in your life. It is your first chance to get away as a newly married couple! While it is essential to make sure that your honeymoon...

 

Wednesday, January 22, 2020

So how can you stay on track with your wedding budget and still have a day you'll never forget?...

 

Tuesday, January 21, 2020

A new decade has finally arrived and everyone will be making their resolutions and claiming that they will never break them. In reality, many people break their resolutions, but why is that? One of the biggest reasons we don’t...

 

Friday, January 17, 2020

Just as you yourself evolve throughout your career and into retirement, your investment decisions should as well. If you’re taking the same risky investment approach at age 50 as you did at 25, it’s time to pump the breaks...

 

Wednesday, January 15, 2020

Whether you’re new to the stock market or a seasoned investor, it can be hard to keep your emotions in check. As you hear unsavory news about a company you’ve invested in, your first instinct may likely be to sell your...

 

Tuesday, January 14, 2020

New year, new you? A great place to start is by looking at your financial resolutions. What do you want to change about your spending and saving habits? Let’s see if your resolutions are in sync with these top five for 2020....

 

Friday, January 10, 2020

When you see successful people who have done well for themselves and achieved a great deal, you may wonder just exactly how they did it. Here are eight tips we can glean from some of the world’s most successful people. 1....

 

Tuesday, January 7, 2020

The stats don’t lie - Americans have trouble saving. The federal reserve’s 2017 Economic Well-Being of American Households report shed some eyeopening light on our current state. Approximately 40 percent of Americans would...

 

Friday, December 20, 2019

We won’t sugar coat it — achieving your financial goals isn’t always easy. But if you don’t create a plan based on your goals, you’re only making it harder on yourself. In fact, American’s with a...

 

Tuesday, December 17, 2019

In a recently conducted survey, only 37 percent of participants were considered to have a passable level of financial literacy.1 The number sounds low, but it’s not hard to see why more than 60 percent of participants had...

 

Tuesday, December 10, 2019

Lifestyle creep is something that’s simple to define, easy to see, yet hard to avoid. Especially prevalent amongst young professionals, lifestyle creep is a hurdle many face in saving for their short- and long-term goals, like...

 

Thursday, December 5, 2019

Unfortunately, with the rise of technology there have been more and more accounts of retirees being targeted for financial scams to rob them of their wealth or identities. Because scammers have gained an understanding of how to trick...

 

Tuesday, December 3, 2019

One of the most popular traditions of the holidays is giving and receiving presents. For most people, the joy of giving gifts to loved ones is tempered by the thoughts of having to pay off a huge January credit card bill. But you...

 

Tuesday, November 26, 2019

Are you planning to go on a trip over the holidays? Whether you are finally taking your dream vacation overseas, or just visiting relatives for the weekend, traveling during the holiday season can get expensive. But as long as you...

 

Thursday, November 21, 2019

Having a new baby is a much-anticipated event. While growing a larger family brings added joy and love to your household, it can also wreak havoc on your finances if you don't properly plan. Being prepared financially can go along way...