2023: The Best Year Ever

I have blazing-fast WiFi at the office. It uses the latest Wifi 6 802.11ax signals with 5G bandwidths. Everything was going great until it wasn’t.

I finally realized that for the past few weeks, I had been waiting and getting frustrated with slow load times. Everything I do for work involves the internet. But it had been slowing down, and like a frog in a pot of water coming to boil, I hadn’t realized until I was cooked.

My Operations Director suggested plugging in an ethernet cable. I did. The results were magical! I was back to blazing!

Why was I using slow internet for so long? Because I didn’t know it was slow. I wish I had known.

It’s Not What It Seems

Often with our personal finances, we think everything is going well. And maybe it was, at one point. But things can slowly get off track, and we can slow way down in our progress without even realizing it!

I noticed this in my own personal finances when I was doing my quarterly review and deeper annual review. Some items had gotten off track, and it was costing me money I didn’t realize. I thought they were one way when they were another. It wasn’t what it seemed. I wish I had known.

What about your finances? Are you on top of them? Is your inattention costing you tens, hundreds, or even thousands of dollars?

I Wish I Had Known

One of the most common phrases I hear from new clients going through the Strategy Session and Planning Meetings is, “I wish I had known this ten/twenty/forty years ago.”

Some of us know our finances are probably a wreck. We have no idea what we’re doing. And we have little interest in learning about it. Yet it is probably costing us big money and slowing down our progress. What’s keeping us from seeking help? Fees? Inaction costs more. Embarrassment over the state of our finances?

A. You’re probably more normal than you thought.

B. There are definitely worse cases.

Get help. Get it now! If you don’t, a year from now, you’ll be saying, “I wish I had known this last year.”

Some of us have our finances together. We’d rank ourselves high on financial literacy and wisdom. We’ve been managing our own money for years. I’ve met a lot of people like this, too. And yet, I’ve never met anyone whose finances couldn’t be improved. Even the well-prepared and up saying, “I wish I had known.”

2023: The Best Year Ever

Let’s make 2023 the year we get back on top of our finances. The world is crazy. It always has been and always will be. But one thing we can control is our finances. We can control it better this year, starting now.

Let’s start increasing our knowledge of finances. Then let’s build our belief in good behavior. And let’s inspire ourselves to action.

Let’s complete a year-end Net Worth to see what we have, where it is, and what it’s worth. Then we’ll complete an Income Statement to see how much we made in 2022, how much we saved, and how much we spent. Let’s use that information to plan better for 2023 and make better choices.

How about we start a budget and control where our money goes instead of wondering where it went?

Let’s save money, and spend better. Not spend less; spend better. Let’s invest in the things that are truly important to us.

We’re going back to basics in January. Net-Worth & Income. Budgeting. Planning. We will cover them in a way that increases your knowledge, builds your belief, and inspires action. That’s what we do.

By the end of the year, you’ll have turned “I wish I had known” into “I’m glad I did that.” Stay tuned, and let’s make 2023 the best year ever.

This article is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.