https://www.prosperwitheverman.com/podcastarticles daily 0.75 2026-02-22 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/da1bcb45-f0c5-496f-9789-19ef225a34dc/Square+FF+with+CFP.png https://www.prosperwitheverman.com/podcastarticles/2026-tax-changes monthly 0.5 2026-02-22 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1771693260762-K9VYYM4D1UWYU33VSLDN/unsplash-image-4rTXOMv28VA.jpg Podcast & Articles - Beyond the Brackets: 2026 Tax Changes - Standard Deductions Continue to Rise Along with the brackets, the historically high standard deduction is also here to stay. For 2026: Married filing jointly can deduct $32,200 Single filers can deduct $16,100 Heads of household can deduct $24,150 This keeps the majority of taxpayers firmly in “standard deduction territory.” Itemizing remains the exception, not the rule. And yet—charitable giving now complicates that story. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1771693869850-VJMJTDWF5ZJLHR71B0PQ/unsplash-image-SZYreZsJ-fE.jpg Podcast & Articles - Beyond the Brackets: 2026 Tax Changes - A New Floor for Itemized Charitable Deductions Itemizers, however, face a new hurdle. Starting in 2026, charitable deductions are only allowed to the extent they exceed 0.5% of adjusted gross income. Think of it like a deductible on an insurance policy: the first portion provides no tax benefit. For example, with $200,000 of AGI, the first $1,000 of charitable giving produces no deduction. Only amounts above that threshold count. This change didn’t exist before, and it quietly reduces the value of routine, annual giving for higher‑income households. Layered on top of this is another limitation: for taxpayers in the highest bracket, the value of itemized deductions is capped at roughly 35%, even if their marginal rate is higher. And I know what you’re thinking. To answer your question: no, you can’t take both the above the line deduction along with the itemized deduction. The takeaway? Charitable giving still matters—but how and when you give now matters more. https://www.prosperwitheverman.com/podcastarticles/the-net-worth-payment monthly 0.5 2025-12-24 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1765984119259-G0HE0NMWKDLOIKOMN1P1/unsplash-image-ErtbetoUiBk.jpg Podcast & Articles - The Net Worth Payment - The good news is, there is help. Later in this piece, we’ll look at a very general way to measure your financial progress. Before we get there, let’s talk ratios. Personal finance ratios can help us when our financial goals are less clear. They help answer the question, “am I saving enough?” or “am I spending too much on a house?” They operate as an answer to common concerns absent any other financial input. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1765984265906-KEM8NMNMZPAJW4C5ACXY/unsplash-image-BIAQdGZaOUg.jpg Podcast & Articles - The Net Worth Payment If you’re meeting every benchmark above, you’re probably in great shape, or you will be before long. However, remember when I said these ratios exist minus any other financial data? That is because they intend to serve as general rules of thumb rather than curated financial advice. How you choose to apply these ratios depends on your individual circumstance and your benchmark may be wildly different. For instance, for a young couple seeking F.I.R.E. (financially independent retire early), the savings goal of 20% may be way too low. They may push as high as 50% or higher in their pursuit of early freedom. Likewise, young parents who find a home next door to a perfect elementary school, a few miles from grandparents, and within a desirable community, perhaps won’t be as worried about a 28% housing ratio. If they are both expecting rapid, stable income growth, maybe stretching this ratio in the short term isn’t a concern compared to the invaluable benefits. And finally, what about those who saved aggressively and find that their dream retirement is already funded, along with a healthy emergency fund? Should they still worry about saving 20% until they eventually retire? https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1765984371742-3EIKL1C6INCVCPILJLAX/unsplash-image-NDCy2-9JhUs.jpg Podcast & Articles - The Net Worth Payment Let’s say Joey wants to find his net worth payment. Here are his details $1,237 paid towards mortgage principal as reported on his mortgage statement. $400 saved in high yield savings $100 saved in an HSA account $550 saved in a 401K $223.75 ($250 payment made on a 5.25% car loan with a $6,000 principal balance) $63.92 ($75 payment made on a 13.99% credit card with a $950 principal balance) Added together, Joey has a net worth payment of $2,574.67. This is the immediate effect of these payments on Joey’s net worth. Absent any change in investments or home value, Joey’s net worth will immediately improve by over $2,500 from these payments. Notice we didn’t say anything about ratios? He can certainly check ratios, but if some or any don’t apply to his situation, at least knows the power of his net worth payment https://www.prosperwitheverman.com/podcastarticles/annuities monthly 0.5 2025-10-04 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1759088405954-9MLYTCQ26Z8L6TZP2ZI6/unsplash-image-mCqi3MljC4E.jpg Podcast & Articles - Annuities; Historical Cost and Benefit. - The Insurance Solution Again, watching our net worth decrease is a terrible feeling. As our wealth fades, the worry about future income can compound into increasing levels of anxiety into our latest years. Many people in this situation seek answers and solutions. One of those solutions, widely advertised and eagerly sold, is annuities. Annuities are insurance products that assist in easing the instability of retirement income along with the anxiety that comes along with it. Before we dive into the numbers, it’s important to understand how annuities work and how they are classified as insurance. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1759084994259-FGI7JBIJ6H30B2NT7CDK/unsplash-image-_1fByLYHA_0.jpg Podcast & Articles - Annuities; Historical Cost and Benefit. - For the rest of this article, I’m going to use the easiest and most common form of annuities: the single life immediate fixed annuity. I’m using this annuity because, among the annuity products out there, it provides the best “value” to the person receiving the benefit. The best bang for your buck. In a single life fixed immediate annuity, the annuitant pays a lump sum to the insurance company in exchange for a fixed amount paid back every month over the rest of their lifetime, however long that may be. At the end of annuitant’s life, the payments stop and nothing else is collected. There is no additional death benefit, inflation protection, shared life benefit, or rider for other benefits. Those benefits are available, but decrease the general value of the annuity. That is, more complexity = more cost. Therefore, we’ll use the single life fixed immediate annuity because it provides the best benefit for the annuitant. The monthly benefit received varies based on when the annuity was purchased. This is because the insurance company takes the initial payment and invests it in order to provide the benefit for the annuitant and profit for the company. Since the vast majority of insurance companies invest in bonds, the benefit offered to the annuitant is usually closely tied to interest rates and related bond yields.Over the last 100 years, interest rates have varied and, therefore, annuity payouts have varied as well. Averaged by decade, here are the average annuity payouts for a 65 year old immediate annuitant: 1925–1934: 5.0% 1935–1944: 5.2% 1945–1954: 5.5% 1955–1964: 6.0% 1965–1974: 6.5% 1975–1984: 9.0% 1985–1994: 7.5% 1995–2004: 6.5% 2005–2014: 5.0% 2015–2024: 4.5% https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1759235044893-PS23XXZJYCIR4HLYI0K9/unsplash-image-BxXgTQEw1M4.jpg Podcast & Articles - Annuities; Historical Cost and Benefit. - No Surprise While you may be surprised by the staggering opportunity cost of a fixed annuity, it is important to remember that these products exist for two reasons: 1) Provide fixed income for life 2) Create profit for the insurance company.In order to provide both of these things, insurance companies will continue to invest in very secure investments, accept the risk, and eventually provide annuity payments that far underperform the market. https://www.prosperwitheverman.com/podcastarticles/flip-the-value monthly 0.5 2025-08-20 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1755525772487-V9GQGH2VSQG8DMC32Y09/unsplash-image-obMFCck7DqQ.jpg Podcast & Articles - Flip the Value - Facing Decisions - Free sandwiches A handful of years ago I learned that my favorite sandwich shop was giving free sandwiches to active duty military and veterans. Since I had errands to run, I decided to swing by and grab a free sub for lunch. However, as I pulled into the parking lot, I saw the line of likeminded freeloaders extending out the front door and down the block. I estimated the line would take at least 45 minutes. No thank you. I passed on the free sub and went about my day. But why? The simple take to this story is I was too lazy or impatient to stand in line for 45 minutes for a free sub. Fair enough. However, there is a good lesson to be learned. This is the day I learned to flip the value. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1755525875574-FVQRUCRDJDIG71X4ZUNU/unsplash-image-LlHgaeBwYVE.jpg Podcast & Articles - Flip the Value - Facing Decisions - Level 2: flip positions with the other side of the transaction. Let’s get creative. Let’s switch positions with the lawn service. Thinking deeper, we can ask ourselves, “would I accept $150 to mow my yard?” Ah, there it is. That is flipping the value! Suddenly the decision becomes crystal clear. If you wouldn’t accept $150 to mow your yard, then your answer to hiring professionals is valid. Likewise, if you would gladly accept $150 to mow your yard, then it’s time to lace up and get to it yourself. https://www.prosperwitheverman.com/podcastarticles/giving-to-your-children monthly 0.5 2025-08-08 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1754480620330-7L2AGTRWEUYAWXSXQREK/unsplash-image-MRWHSKimBJk.jpg Podcast & Articles - Giving to Your Children - Secure your mask first. If someone asks about my thoughts on giving to children, I begin by asking a few questions myself: Do you mind sharing some facts about your financial situation? Do you have a secure retirement plan? Do you have an emergency fund? Do you have plans for long term care? If the answer to any of these questions is no, then I try to stick to generalities. However, the questions themselves have a point. That is, secure your financial mask first. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1754480676908-51S1BGBZ3VDYUVKWWJH4/unsplash-image-1VqHRwxcCCw.jpg Podcast & Articles - Giving to Your Children - 529 accounts When considering giving to your child, a good place to start is a 529 account. 529 accounts are designed to benefit the child by paying for their educational needs. These accounts are managed by individual states, so details can vary. However, the main benefits of the accounts are universal and can be used for education in any state, regardless of state of origin. Here are the details. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1754484253607-YQE1PNUJ274K5BSEFFO5/unsplash-image-P8rgDtEFn7s.jpg Podcast & Articles - Giving to Your Children - Trump accounts Introduced in 2025 as part of the Big Beautiful Bill, Trump accounts are a new form of savings vehicle for children. These accounts are another way to set money aside for children without giving them direct access to the money. They’re similar to 529s, but instead attempt to provide for a broader array of future uses. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1754480885914-RL2PLAPLMOWP9B82YNGU/unsplash-image-joqWSI9u_XM.jpg Podcast & Articles - Giving to Your Children - Roth IRAs Yes, Roth IRAs can be set up for children. Just like normal Roth IRAs, contributions are made after tax, grow tax-deferred, and are received tax-free in retirement (or other qualified withdrawal). It is important to note that the child must have earned income to contribute to a Roth IRA. The good news is the child does not need to file a tax return or receive a W-2 to justify the earned income. The income can be from a job, mowing lawns, lemonade stands, etc. Just keep track of the income carefully should the IRS decide to scrutinize any contributions. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1754480966620-07DMVP38XZM1NS0IOE0O/unsplash-image-ktPKyUs3Qjs.jpg Podcast & Articles - Giving to Your Children - Keep it, give it. Earlier, I talked about parents who ask me the best way to give to children. After asking the “secure your own mask” questions, I then ask what their goal is. They usually say education, home purchase, retirement, etc. Not surprisingly, not a single parent answers, “I want them to have party money in college,” or “I want them to buy a new sports car after they graduate high school.” The reasons I hear are varied, but they are always virtuous. https://www.prosperwitheverman.com/podcastarticles/thoughts-on-bbb monthly 0.5 2025-07-13 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/2dabb08e-7ad4-479c-8ce1-c7f4f758e521/unsplash-image-SiOW0btU0zk.jpg Podcast & Articles - Thoughts on the Big Beautiful Bill - Extension of TCJA tax brackets The most relevant aspect of the BBB is the permanent extension of the Tax Cuts and Jobs Act (TCJA) tax brackets. Originally passed in 2017, the TCJA adjusted the percentages and limits for marginal tax brackets, effectively lowering tax burdens for nearly all Americans. These lower taxes were initially set to expire after 2025. However, the BBB makes these changes permanent. The main considerations: Lower tax rates As mentioned, the lower tax rates remain in place. For Everman clients, this has been the assumption we have already been modeling. Higher Standard Deductions The BBB also cemented the extremely high standard deductions afforded by the TCJA. Married filing jointly can deduct $31,500 in 2025 without itemizing. Qualified Business Deduction A 20% deduction for pass through entities is now permanent. Income thresholds apply to businesses who operate in certain special services. Social Security Deduction The BBB provides a deduction for those receiving Social Security. A $6,000 deduction is now available regardless if the taxpayer itemizes or not. The taxpayer must be at least age 65. Benefit begins to phase out at MAGI over $75,000. This deduction is set to expire in 2028 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1751808888597-N42Q9M3M5MDGABA4QFIU/unsplash-image-zMdOBBNPB5o.jpg Podcast & Articles - Thoughts on the Big Beautiful Bill - Estate and Gift Tax The BBB raises the lifetime exclusion for gift tax to $15,000,000 per person. This amount is now permanent and will begin increasing in 2027 to match inflation. Prior to the TCJA of 2017, taxpayers with large estates were forced to seek complicated trust or gifting strategies to avoid a potential 40% tax on their estate. The TCJA significantly raised these thresholds, allowing for expedited use of lifetime exemptions. However, these permanent higher limits now allow for more extended legacy strategies over a taxpayer’s lifetime. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1751810641820-A6PU5GLMLGIFHBS6P9DZ/unsplash-image-oko_4WnoM98.jpg Podcast & Articles - Thoughts on the Big Beautiful Bill - Trump Account for Children In an effort to set American children off on the right financial foot, the BBB created Trump accounts for children. These accounts are intended to provide money for children to use for retirement, education, or first time home purchases. All American children born in 2025-2028 are also eligible for a tax-free $1,000 seed deposit from the government. Parents can contribute up to $5,000 per year (after tax). Funds must be invested in a low-cost index fund tracking US investments. Investments grow tax free. Withdrawals are taxed a beneficial long term capital gains rates if they are made for qualifying reasons Achieve age 59.5. Higher education, first time homebuyer, birth of a child. Disability or death. https://www.prosperwitheverman.com/podcastarticles/how-tax-advantaged-is-tax-deferred monthly 0.5 2025-06-15 https://www.prosperwitheverman.com/podcastarticles/mind-your-benchmark monthly 0.5 2025-05-24 https://www.prosperwitheverman.com/podcastarticles/the-risk-of-low-risk monthly 0.5 2025-04-26 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/ce51aabb-90f0-4f53-a5e8-be460f487f90/10+year+yield+pic.png Podcast & Articles - The Risk of Low Risk - Make it stand out Data source: https://www.macrotrends.net/2016/10-year-treasury-bond-rate-yield-chart https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/400e0990-9f37-4e7a-9be7-fbf2b15d5573/Low+risk+inflation+adjusted+fixed.png Podcast & Articles - The Risk of Low Risk - Make it stand out Data source: https://www.investopedia.com/inflation-rate-by-year-7253832 https://www.prosperwitheverman.com/podcastarticles/more-on-tax-loss-harvesting monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/the-joy-of-a-down-market monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/a-look-at-esg monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/the-pro-rata-snag monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/the-overlooked-account monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/the-least-you-can-do monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/six-financial-resolutions monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/the-case-for-over-rothing monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/simple-gifts monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/cash-flow-the-fuel monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/net-worth-the-engine monthly 0.5 2025-04-12 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/59c70fb6-f600-44bd-bf18-2cbb71615baa/Screenshot+2024-11-12+165900.png Podcast & Articles - Net Worth / The Engine - Make it stand out * Many financial experts refer to “assets” as only those things that increase in value or create income. For your balance sheet, include anything that could be sold for value. This applies regardless of whether its value is increasing or decreasing. There are many online resources to use to find values for your home, car, and other common items. If you feel the need to hire an appraiser, feel free, but your financial adviser should be able to help. If you’re going alone, be more conservative when estimating values of assets. Of course, include all debts in your liabilities column. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/0b7bf4df-845b-46e9-9a9d-3efc57a55901/Screenshot+2024-11-12+165919.png Podcast & Articles - Net Worth / The Engine - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.prosperwitheverman.com/podcastarticles/the-1-bump monthly 0.5 2025-04-12 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/00ea9b44-dfc0-4084-b212-31c7e631bdca/Screenshot+2024-11-02+102718.png Podcast & Articles - The 1% bump https://www.prosperwitheverman.com/podcastarticles/7-common-investing-mistakes monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/7-habits-of-financial-success monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/safety-status-and-legacy monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/what-exactly-are-unrealized-capital-gains-anyway monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/your-pension-and-your-portfolio monthly 0.5 2025-04-12 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/92dac644-4bf1-4094-a15e-71ec74602617/Screenshot+%2893%29.png Podcast & Articles - Your Pension and Your Portfolio - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/1723eee2-dc04-43c8-adbb-45b01e0fb2f7/Screenshot+%2892%29numbers.png Podcast & Articles - Your Pension and Your Portfolio - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.prosperwitheverman.com/podcastarticles/dont-over-roth-your-retirement-8wlfs monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/what-are-you-saving-for monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/let-the-market-help-you-pay-off-your-mortgage monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/snowball-vs-avalanche-the-best-way-for-you-to-pay-down-debt monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/the-what-how-and-why-of-rebalancing monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/dollarcostaveraging monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/risk-realized monthly 0.5 2025-04-12 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/6e210361-56d7-4695-ac6e-cfd4dad8d83b/4.png Podcast & Articles - Risk Realized & the Goal Window - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/f42e7f77-3fa1-4645-879a-9f8f911db6fc/Money+%282%29.png Podcast & Articles - Risk Realized & the Goal Window - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/bdc13f54-1b70-4dfa-bbe1-816281dac006/Money+%283%29.png Podcast & Articles - Risk Realized & the Goal Window - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/cd8da8f9-8ce4-4bec-90e8-44c76faf81c3/Money+%285%29.png Podcast & Articles - Risk Realized & the Goal Window - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/0b75cced-d551-44ee-8ae2-2a681850d0b3/Money+%286%29.png Podcast & Articles - Risk Realized & the Goal Window - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.prosperwitheverman.com/podcastarticles/thewiggle monthly 0.5 2025-04-12 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/293a870e-d72e-4075-becc-d1658e295045/1.png Podcast & Articles - More on Risk - The Wiggle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/cfad1ea1-a442-4650-b574-5877b19733ba/2.png Podcast & Articles - More on Risk - The Wiggle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/5bc41033-6367-4194-8940-4b583bc86a71/Money+%281%29.png Podcast & Articles - More on Risk - The Wiggle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/6e210361-56d7-4695-ac6e-cfd4dad8d83b/4.png Podcast & Articles - More on Risk - The Wiggle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/67ad9f27-124a-47eb-8be7-1d214e9b3c11/5.png Podcast & Articles - More on Risk - The Wiggle - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.prosperwitheverman.com/podcastarticles/about-risk monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/savings-cascade monthly 0.5 2025-04-12 https://www.prosperwitheverman.com/podcastarticles/financialdiscipline monthly 0.5 2025-04-12 https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/381e6f8d-4165-41d3-ae32-025ef6571a5b/Beau+illustration.jpg Podcast & Articles - Financial Discipline: The Greatest Form of Self Care They are all versions of you, just in different times. Yesterday-You might be yesterday, but really could be from anytime in the past. Same for Tomorrow-You. Tomorrow-You can be from tomorrow or any time in the future. Today-You is you right now in this very moment. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/2b7322ea-ca42-480e-8818-2afbdaeae097/Beau+illustration+1.jpg Podcast & Articles - Financial Discipline: The Greatest Form of Self Care - In stressful times, it is a commonly accepted practice to insert some form of self-care into our busy schedules. Friends and family might encourage us to take a break when we seem stressed or burnt out and typically this is very helpful when needed. The release valve is opened and some of the pressure is released. Self-care achieved. This self-care can be enjoyed in any number of ways. A nap, a spa day, going to a movie, bingeing a season on TV, or ordering take-out and enjoying a few drinks while you wait. These indulgent moments are only a few possibilities of the endless ways we can take a well-earned break from the grind and release some pressure. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/04a8e98c-2678-4959-bae6-5b67b8347ff2/Beau+illustration+2.jpg Podcast & Articles - Financial Discipline: The Greatest Form of Self Care While I’m sure Today-You has a reason to take a moment of self-care, there is one more piece we need to consider. If self-care is a gift, then who are we receiving this gift from? Remember, we’re not considering if someone else is paying for it. So, who then? https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/e9d96859-f127-49e6-acb3-94daff5137dd/Beau+illustration+3.jpg Podcast & Articles - Financial Discipline: The Greatest Form of Self Care - Instead of October and March Rob, let’s think about Yesterday-You and Today-You. How would you feel if Yesterday-You had stolen a gift from Today-You. Here you are, Today-You, likely just as stressed as Yesterday-You, but left dealing with the cost of the indulgence Yesterday-You enjoyed. Pretty awful, huh? How do you deal with it? Perhaps Today-You is forced to deal with it now (as March Rob had to), or maybe Today-You has the option to put it off for Tomorrow-You. Now it’s Today-You enjoying the gift and, you guessed it, you’re stealing it once again. Only this time you’re stealing it from Tomorrow-You. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/77a38aab-e004-447e-b44e-5f397901f451/Beau+illustration+4.jpg Podcast & Articles - Financial Discipline: The Greatest Form of Self Care - But what if both people do have a choice. What if both the gift giver and the receiver have a choice? October Rob certainly had a choice to do the right thing. What if he chose to give the gift to March Rob instead of stealing it? In this story, October Rob would take the extra time to efficiently store the equipment, making March Rob’s experience much easier. Not only would March Rob receive the gift, but perhaps March Rob could take the extra time to make something else more efficient for future versions. Pay it forward. Both versions have a choice. https://images.squarespace-cdn.com/content/v1/652041b6f9c20e1cc382becb/168b2ea9-5c0c-4a17-8199-96d8b75bf9aa/Beau+illustration+5.jpg Podcast & Articles - Financial Discipline: The Greatest Form of Self Care And of course, when you spend less than you make, you are constantly giving. Every day you receive the gift from Yesterday-You in the form of a choice, just as Yesterday-You did. You can choose to buy something you’ve been saving for or once again forward the gift on to Tomorrow-You (along with a gift from Today-You as well). These gifts combine and compound, creating more and more choices for the versions to come. Of course, at any time you can choose to receive one of these gifts. You can choose to enjoy a night out or the running shoes you wanted, but instead of stealing this from a regretful future version of yourself, you’re receiving it from a gracious version from yesterday. 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