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Short-term Risks

For most of 2018, I felt like we were finally getting out of The Great Recession’s lingering haze. For older members of my generation, it has been a solid seven year run of favorable enough conditions to grab onto something we can call our own. Whether that’s a steady job with benefits or a now[…]

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Millennials Aren’t Just Different, We’re Special Snowflakes!

As a generation, Millennials are unique. Our racial makeup is diverse. Our educational accomplishments are unparalleled. Our attitudes toward marriage are, let’s just say, overly cautious. Like I said, Millennials are unique group. However, it’s our resilience that makes us special. Our maiden voyage into adulthood was immediately greeted by the rough seas of The[…]

If you need last minute cash, don't tap your 401(k). Have a cash reserve and plan ahead.

Need Cash? Don’t Tap That 401(k)!

Let me share a story with you.  Tom and Jane are a Millennial couple who just got married and are looking buy their first house.  The have saved up some money but have student loan debt.  Unfortunately, Tom just lost his job leaving them with only Jane’s income to pay the bills and the loans. […]