NEW Book: 3D Financial Planning

New Book: 3D Financial Planning

I have a New Book coming out this year called 3D Financial Planning, Organize, Prioritize, and Maximize Your Money and Your Life. It’s going to focus on a younger audience, cover a wide range of topics, begin with the end in mind, and provide inspirational and behavioral education and encouragement to help people transform their money and their lives.

Powerful Education for the X & Y Generations

One of the most common phrases I hear from new clients in their 50s, 60s, and 70s is some variation of “I wish I had known this earlier” or “I wish someone had told me this thirty years ago.” I focus on folks over fifty, and my financial planning firm, podcast, and book are all geared toward this audience. Those in their sixties face different challenges from those in their thirties.

But what about those in their thirties? What about your children, or maybe even grandchildren, early in adulthood? How can we tell them what we wish we had known when we were their age?

We created XY Financial Planning to help Millennial and Gen X clients one-to-one. While I can’t work with your kids, they can. But we still need a way to convey the principles and philosophy we teach to the next generation in a way they can use and on a larger scale.

Many of my retired clients have given copies of my 3D Retirement Income book to their kids to read. And, while there are applicable principles, it is also full of dos and don’ts for people facing retirement. Much of the book does not apply to young families. It’s time to solve this problem.

3D Financial Planning will focus on the Millennial and Gen X audience who are getting serious about their money. As with my first book, there will be some applicable principles and inspiration for those older and younger (especially those in Gen Z who are exceptionally mature and driven), but it will be coming at it from a mid-life perspective.

Financial Planning Principles

My first book focused on retirement income and the challenges facing retirees on this important subject. It only scratched the surface of many of the other areas of financial planning. 3D Financial Planning will hit a larger range of topics, including:

• Investment Planning (with an accumulation focus rather than a retirement focus).
• Tax Planning (saving taxes over one’s lifetime).
• Cashflow Planning (with a nuanced approach to budgeting and debt).
• Insurance Planning (those you need and those to avoid).
• Retirement Planning (focused on saving for it, not living in it).

If you’ve read my first book, the new one will contain some of the same information. Many of those concepts are true at all ages, such as:

• Be an Owner, not a Loaner
• Avoid the Four Horsemen
• Practice the Seven Pillars

But there will be lots of new content around each of those other topics.

Begin with the End in Mind

I have a unique perspective for writing this book. As part of Gen Y, the Millennial Generation, living out the busyness and highs and lows of a young family and career. I am my audience. However, I also work mostly with Baby Boomers. I have seen those who have lived their life and managed their money well and those who have not.

This perspective on both sides has led me to a specific position that I am going to advocate for: Get the most life out of your money, not the most money out of your life.

There are two outcomes I am trying to help the readers avoid:

1. Have too little in retirement.
2. Have too much in retirement.

The first is obvious. Those with too little in retirement have financial stress and poor outcomes. The principles that people “wish I had known this thirty years ago” would have solved many of those problems.

The second is less obvious. But far too many people make far too many sacrifices in the name of gaining more money—money that they never learn how to enjoy. It seems like most other financial books and philosophies are all about “save, save, save as much as you can!” I will be advocating a different philosophy: Maximize your money across your life, not at the end of it.

Education & Inspiration

I am not writing a textbook. I am not attempting to scientifically and mathematically defend a thesis to a board of doctors. This book is for regular people who want to have their money work hard for them while they work hard for it. This book seeks not only to educate but to inspire its readers and listeners to act on what they’ve heard and be encouraged in what they do. It is behavioral, not theoretical; actionable, not conjectural.

Pre-order and Share 3D Financial Planning

3D Financial Planning will be available for purchase on Amazon. But, as will my other book, we will give away for free a copy to anyone who wants one.

Go to 3DFinPlan.com to pre-order. No payment information will be collected, and we will send you a copy of your choice to the email or address you provide when it is released.

If you are one of my people, someone over fifty whom this podcast is aimed at, then perhaps you have a child or co-worker for whom this would be helpful. Please share this episode with them or send them a link to 3DFinPlan.com.

The book will be released sometime this summer. My priority is always to my current financial planning clients. But the more interest and pre-orders we get for it, the more resources we can put into getting it done sooner rather than later.

It’s 100% free, so don’t hesitate. Go to 3DFinPlan.com to pre-order the hardcover, paperback, ebook, or audiobook.

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.