• Life runs on one clock, money runs on another

    Life runs on one clock, money runs on another
    I recently overheard a conversation between two young mothers talking about the demographic makeup of different communities in the city they lived in. Specifically, which neighbourhoods had younger families with younger children and which were more likely to have families with older kids.Being a parent, I was fascinated—so I did the polite thing and kept listening in as discreetly as possible. As they named different communities and speculated about who lived there, I noticed one defining
  • Why budgets don’t work: Try mastering your cash flow instead

    Why budgets don’t work: Try mastering your cash flow instead
    When people think about building wealth, they often jump straight to investing, paying off debt, or saving for retirement. While those are all important pieces of the financial puzzle, they rely on one thing to work well: healthy cash flow.  Cash flow is the foundation of every financial decision you make. If you don’t have a clear understanding of where your money is going, it’s difficult to save consistently, invest confidently, or prepare for unexpected expenses.The good