Rethinking Retirement  
 

Financial Maturity

We hope you find the following articles about Financial Maturity helpful.

 

What is Financial Maturity? - What's the difference between being financially independent, financially secure, or financially mature? Early in my career, I probably would have said not much. But during 20 years in the financial services industry I've discovered there are indeed big differences.  Click here to read more.


What's Your Financial Personality?  Take this quick quiz to discover your financial personality and what you can do to reduce your anxiety around money.  Click here to read more.

 

Financial Maturity 101:  Your Balance Sheet - A Personal Balance Sheet (PBS) is one of two basic financial statements that are vital to one's financial security. Along with the Personal Cash Flow Statement (PCFS), understanding these two financial statements is the first step to gaining the knowledge necessary for financial maturity.  Click here to read more or download a Balance Sheet template in MS Excel format.


Financial Maturity 102:  Your Cash Flow Statement - A Personal Cash Flow Statement (PCFS) is the second of two basic financial statements that are vital to one's financial security. Along with the Personal Balance Sheet (PBS), understanding these two financial statements is the first step to gaining the knowledge necessary for financial maturity.  Click here to read more or download a Personal Cash Flow Statement template in MS Excel format.


Debt Reduction Strategies - Two of the most common questions asked of financial advisors are, "Should I pay down my debt or begin to save more?" and, "How do I go about paying down the debt that I have?" It's no longer uncommon to see people of all ages struggle with mounting debt and dwindling savings. To reverse that trend takes a lot of hard work and tough choices, but is doable if you follow these 12 steps.  Click here to read more.


Emergency Fund Tips - Everyone knows they should have an emergency fund. But just how much should be in it, where should you keep it, and when should you use it are common questions. Here are a few answers to those and other questions. Click here to read more.


Safe Withdrawal Rate - One of the most important questions any of us must decide as we prepare for retirement is, "How much can I withdraw from my retirement savings accounts without depleting the balances and risk running out of money?" Whether you're already retired, in the final stages of preparing to retire, or a decade or more away, understanding how much income your accumulated investment assets can generate is critical to your long-term planning. Click here to read more.


The Scarcity Mindset - Avarice is not only one of the "seven deadly sins," it is also one of the consequences of the mindset of "scarcity." Avarice is defined as "too much desire to get and keep money; greed for riches." Certainly, acquiring and keeping money alone in no way guarantees a fulfilling life, and excessive amounts of money more often become an obstacle to it. Click here to read more.


Beliefs About Money Exercises - Our attitudes and beliefs about money are formed at very young ages. How we perceive money as adults is often determined by what we learned as we watched our parents handle their finances. Even our own early experiences with money teach us lessons that can stay with us throughout our lives. The following exercises are designed to help you examine your attitudes and beliefs about money.  Click here to read more.


Where to Invest Now?  Human Capital Versus Financial Capital - It’s been said the financial markets don’t like uncertainty. But one thing that is certain is that with the market declines of the past year many people have seen their planned retirement dates pushed further and further into the future. While many are wondering what asset class should they invest in to make up their losses, others are taking an even bigger picture view and asking what type of capital they should invest in – financial capital or human capital?  Click here to read more.




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