Procrastination is Hoarding Eventual Work

I know hoarding physical items is not good.  Same is true hoarding things to do.

Hoarding work creates a backlog of work that still needs to be done.   It doesn't go away.   Wait long enough and the backlog become insurmountable. For example, delaying saving for retirement can be devastating if one starts in their 60s. LOL.

My solution is to break work into small chunks and lead to small wins.  For example, instead of sweating the final savings number for retirement, carve out much smaller monthly contribution and stick to it.  For example, saving $158.15 a month for 40 years will become $1 million.   I'm using the same principle on my home projects.   Instead of carving out a large amount of hours, I put 1-2 hours per day on a project, take a break, and start it up again the next day or even later in the week.  I did this with cleaning and staining our deck and I have been able to easily get the flooring cleaned and stained.  I'm now doing the same with the slatted walls.

Hopefully, this new strategy and approach will help me get projects done and give my kids a good head start on their retirement savings.  I think I will eventually get up to 4 hours a day on our home maintenance/improvement projects.  Almost like going back to work again.😎

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial, saving, retirement nor home maintenance advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Upgrading to a Costco Executive Membership is FREE

Costco's Gold Star membership is $65 per year.   Costco's Executive membership is an additional $65 or $130 per year.   However, I did the math and upgrading to Executive is "free" and costs nothing at the completion of the year.

Huh?   How can paying $65 more be free?   By reading the fine print.

The main benefits for Executive membership are:

• 2% cash back reward on all Costco purchases, including vacation packages and gasoline.
• Early entry to stores by 30 minutes on Saturday, and by 1 hour on other days.

OK, so where's the free part?   It happens a the renewal of the membership as described below

Free part 1:  The 2% cash back reward returns $65 if one spends $3250 during the membership period.  That's breakeven for the upgrade to Executive membership.  Spend $6500 and 2% cash back reward returns $130, which is the entire cost of an Executive membership.

Free part 2:  What if I don't spend $3250?   Costco guarantees that the cash back reward is a minimum of $65, which is the cost of the Executive membership upgrade.   The cash back reward is issued once a year, just before renewal.  If the amount is less that $65, Costco will give the member the difference, either in cash or as payment to the renewal of the Executive membership.   

Either way, the $65 upgrade is offset.

Of course, picky financial people might claim there is lost interest for 1 year on the $65.  I guess, but that's only $1.95 if the interest rates are 3% which is about the interest rate for a 1 year CD.

Disclosure: I have been a Costco Executive member over 20 years.   I have only had submit for the offset twice.  Every other time, I have earned more than $65 cash back.  Finally, I was not compensated by Costco for this post.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial nor club membership advice advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Cleaning and Staining the Wood Deck

We have a treated wood deck in the back.  We do the power wash cleaning and staining ourselves.  In the past, I power washed the entire deck first over several days, due to clearing furniture and plants from one section to another.  Then I stained over several days due to moving furniture and plants to finished sections and allowing that section to be stained.  Since the deck is built from 2X4 treated wood with 3/8 inch gaps, it's acceptable to stain a section over different days since no overlap can be seen.

This year, I decided to clean and stain a section (about 10-15%) at a time.  It was satisfying cleaning and staining in this manner since a section would be finished and looking good, instead of waiting for completion.  Also, it enabled me to go over and touch up the power washing easier, since I often need 2-3 passes to ensure no spots are missed. Finally, I am able to work in 1-3 hour segments, which allows me to schedule into a few hours gap during the day instead allotting the whole day.

I am almost finished and everything looks great so far.  Only one or two more sections to go, depending on how much time I have to do a section.

For more on Strategies and Plans, check back every Monday for a new segment.

This is not financial, deck maintenance nor do-it-yourself advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Using the Good Stuff Right Away

When I was younger, I used to "save" my best purchases to use sparingly so that they would last a long time.  I also did that with my kids when bought them new toys.  I realize now that was a bad strategy.  I've now switch to using the best stuff, as soon as I purchase it.   

Here are my reasons:

• Things get worse when not being used.  
• I forget about things being saved and don't use them for years.
• Kids out grow things quickly.
• As I get older, I have lots of things saved, but not used much.

My philosophy now is to use the good stuff as much and as fast possible.  That goes for clothing, tools, food, special items and amenities.   Enjoy all my stuff, before it goes bad or I get too old to enjoy using them.  My first move is to regularly wear all the special t-shirts from the vacation spots we visited, the city wide events I organized, and the gifts from my kids and spouse.

For more on Reaping the Rewards,  check back every Sunday for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Aspire to Be a Hundred Millionaire or Billionaire

"A nickel ain't worth a dime anymore." ~ Yogi Berra

A million ain't what it used to be either.

When I was growing up, becoming a millionaire was considered an aspirational financial goal.  Very few people had a million dollars  and my parents bought a new house for $28,000.  A million dollars seemed very unattainable.  In 1965, there were 100,000 millionaires in the US.  I thought becoming a millionaire was a stretch goal.

Today, a million dollars seems much more achievable. In 2020, the there are over 18 million millionaires in the US.   That house I grew up in is valued at $421,000 on Zillow.   Many families have dual incomes, leading to over a million dollars salary over their lifetime.

 $100 million would have been a better aspirational financial goal.   In 2020, there were about 80,000 households with over $100 million, which is close to the number of millionaires in 1965.  $100 million would have been a appropriate inflation adjusted goal.

Maybe ambitious kids today should set $1 Billion as a stretch goal to achieve in their future.

For more on Crossing Generations, check back every Thursday for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Buying 20 year Treasuries Yielding 5%

Historically, 5% has been a good yield to get on a CD or Treasury bond.  I've decided to lock in that return for 20 years with some of my fixed income funds.  When I started working my goal was to save a million dollars and earn 5% interest to yield $50,000 per year.   That would have been about 2-1/2 times my starting salary. 

Of course, critics will note that I wasn't accounting for inflation and increased lifestyle amenities back then.   However, in my experience, 5% has been on the higher end, but not the highest, of interest rates.  So, I've decided to lock in 5% for 20 years for a portion of our investments in fixed income.   If interest rates go up, I can invest some more at higher rates.  If interest rates go down, I already will get 5% for up to 20 years.   Since it is uncertain which way rates will go, getting 5% long term seems like a win-win for me.

For more on Crossing Generations, check back every Thursday for a new segment.

This is not financial, saving, nor interest rate advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

"I Used to be Young and Poor,

and after working for 40 years, I am no longer ... young." - satircal post from Wall Street Bets.

From what I 've read, that's how many people near or in retirement feel.  Social Security isn't enough.  Retirement savings isn't enough.  Combined, it's still tough to cover all retirement costs, especially growing medical costs and future costs for senior living expenses such as assisted or long term care.

And now, if Congress doesn't act, Social Security benefits will be cut 23-24% across the board in 2033.  Yikes.   That may make some seniors old and poor.

IMHO, to avoid being old and poor, I work with my kids to save as much as they can, up to 20% of their earned income.  Invest the funds in the S&P500 and HODL.  If there is Social Security, consider that a bonus.  If there's an inheritance, that's another bonus.

In our case, our employers had a retirement savings plan but no pension.  We assumed that there would be no Social Security and targeted to save 20X our pre-retirement income before retiring.  In hindsight, 30X would have been better to help during the Great Recession, which occurred immediately after we retired in our 40s.  We did receive Social Security and an inheritance.    

So far it has worked, and we continue to watch and manage our retirement income.  As always, it works until it doesn't.   YMMV.

For more on Reaping the Rewards, check back every Friday for a new segment.

This is not financial nor retirement saving advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Simple Template for Wealth Building

I read this on LinkedIn and am passing it on.

Overall, I think this a great framework.  My only input is that I would allocate debt repayment (e.g. student loans) to the 50% needs allocation.

Of course, YMMV.

Credit: Tiras Wealth Managment

Disclosure:  I was not compensated by Tiras Wealth Management for writing this post.

For more on The Practice of Personal Finance, check back every  Wednesday  for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Cash Basis Creates A Realistic Budget

Budgeting seems like a lot of extra planning and detailed work.  My simple solution to budgeting was to live on a cash basis initially.

After graduating from college, I lived on a cash basis for a couple years.  It was very empowering financially.  I learned quickly how to live within my means.   In my first month of employment, I ran of out money three days before my monthly paycheck.  

Fortunately, I was paid on the last business day of the month via direct deposit.   Thus, I had funds to pay my rent on the 1st.   However, it was a good learning experience for me.  I managed my finances so I didn't run of out money again.  I lived on a cash basis, i.e. no credit cards, until I took out a loan for my first new car a couple year later.

I started managing my spending to have a little left over by next monthly payday.  I considered that my savings.  I did this for many years.

If I did it over again, I would use the 50/20/30 rule:  50% necessities, 20% savings, 30% wants.  I wrote about how to do this in Be One's Own CFO for Personal Finances.

For more on Ideas You Can Use , check back every Tuesday for a new segment.

This is not financial budgeting, nor spending advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Cover Necessities Before Other Expenses

As a new hire just graduated from college, I had three buckets of spending: necessities, savings and discretionary.   Necessities were highest priority, followed by savings and discretionary.   Necessities had to be paid each month.  Savings were next for a emergency fund, future purchases and retirement savings.  Discretionary was for fun.  Here's what was in those categories.

Necessities:  Rent, utilities, groceries, student loans, auto costs, insurance (health, rental, disability) and clothing.   These are the must cover expenses.  

Savings:  Emergency savings for unexpected cost, savings for future large purchases, retirement savings.

Discretionary: entertainment, vacations, eating out, upgrade phone/computer

Personally, I managed necessities to be the lowest cost acceptable.   I rented a lower cost apartment close to work.  It was half the cost of a nearby luxury apartment other new hires rented.  I used coupons for groceries and bought items that were on sale.  I had a low student loan payment that was less than $100/month.   I drove a 13 year old hand me down car for the first 2 years.  My parents gave me my bedroom furniture, and recreation room furniture from their house and I used them for several years.

I ran out of money with two days left in the first month, but was able to adjust and save money the second month.   For discretionary spending, I kept costs to a minimum by playing rugby  ($25 fee/season) for entertainment and cooking most of my meals.

As my income increased, I was able to save more and spend more on discretionary items.  Eventually, I was able by a new car because I had kept my initial necessity costs lower.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Elon Musk says Retirement Savings Won't Be Needed in 10-20 years.

Elon Musk says saving for retirement is irrelevant because AI is creating a world of abundance | Fortune

Says the person that just negotiated a trillion dollar compensation package.   ROFLMAO.   Why does he need such a large pay package if retirement is irrelevant?

Recall that Musk promised FSD (Full Service Driving) initially in 2016 and still has not delivered as of the end of 2025.  Maybe he is hedging his prediction.😂

As brilliant as Muskman is, I don't think I'll bet on not needing retirement savings just yet.  Especially, since Social Security payments will be reduced in 2033 if Congress doesn't not take action.

For more on Reflections and Musings , check back every Saturday for a new segment.

This is not financial, retirement, Muskman advice. Please consult a professional advisor.

Copyright © 2026 Achievement Catalyst, LLC

Think Accumulation for a Successful Retirement

For me, the accumulation phase for retirement savings was from the twenties until my sixties.  

Twenties - This was the most difficult accumulation period.   During that decade, I bought a house and a car, which created monthly expenses.  I was also paying off my student loan.  My accumulation seemed to grow very, very slowly.

Thirties -  Accumulation was easier bit still seemed to grow slowly   I no longer had a student loan or car loan payment.  I was also able to refinance my mortgage from 12%, to 7%, to 5%.   In my early thirties, I was earning double my starting salary.  By late thirties, I was earning about 4 times my starting salary due to promotions.

Forties - This was out best accumulation time.   I was promoted again and my base salary by the end of my forties was 8 times my starting salary.  This was my peak earning years and as a result we had peak accumulation.

Fifties -  If I had not retired early at 49, this would have continued to be accumulation from wage income.   Part of our accumulation during this time was due to inheritances from our parents who passed away.  

Even with an income increases each decade, I continued to live the same lifestyle in my twenties and  thirties.   We did upgrade our lifestyle to a larger house and new cars in my forties.   However, we still lived below our means.    For example, we still live in the same house, drive the same cars after 20 years, and did our first purchase of a flat screen TV during our fifties.

Definitely, YMMV.  The actions that worked for us to accumulate enough for a successful retirement won't work for everyone.   

For more on Crossing Generations, check back every Thursday for a new segment.

This is not financial nor retirement advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

Become a Millionaire for Only $158.15/month

That's only $5.20 per day, less than the cost of a Starbucks latte.

No, this is not a scam.  Yes, it is possible with two assumptions.   First, the investment has average returns of 10% per year.   Second, the investment is held for 40 years, with all dividends and interest reinvested.  

The annual return is achievable since the S&P index has returned about 11% per year on average over the long term.  If one takes less risk with a 60/40 diversification of stocks and bonds, the return is about 7% a year and more funds need to be invested to reach $1M in 40 years.  If one takes even less risks and invest in CDs/Bonds for a 4%, significantly more funds are need.

	Invest to Become a Millionaire
Monthly (Daily) Contribution	Average Yearly Return	Total Paid	After 40 Years
$158.15 ($5.20)	10%	$75,912	$1,001,083
$381.00 ($12.53)	7%	$182,880	$1,000,053
$846.10 ($27.81)	4%	$405,150	$1,000,872

OK, what if one can only afford $158.15 a month.  The table below shows the impact on average annual returns on the number of years to reach a $1M.

	Invest to Become a Millionaire
Monthly (Daily) Contribution	Average Yearly Return	Total Paid	Years to Reach $1,000,000
$158.15 ($5.20)	10%	$75,912	40
$158.15 ($5.20)	7%	$182,880	52.1
$158.15 ($5.20)	4%	$405,150	77.5

OK, what if one can afford more than $158.20 a month.  The table shows the impact on contribution amount on the number of years to reach $1M.

	Invest to Become a Millionaire
Monthly (Daily) Contribution	Average Yearly Return	Total Paid	Years to Reach $1,000,000
$158.15 ($5.20)	10%	$75,912	40
$263.40 ($8.66)	10%	$110,628	35
$442.41 ($14.55)	10%	$159,300	30

Here's what I'm doing to enable my children to be millionaires on their own.  For my children's Roth IRAs, I'm investing or will invest $159 per month.   For the initial investment, I put $159 into 4 mutual funds/ETFs from Schwab: ETFs - SCHB (Total Market), SCHG (Large Cap Growth); Mutual Funds-SWPPX (S&P 500), SWLGX (Large Cap Growth).   I will monitor returns over the next few months and narrow down to one or two investment options for the future.  Also, based on the analysis above, I will increase the amount contributed when the market declines.

At this point, I am leaning towards the mutual funds, since I can invest an exact dollar amount of $159 each time, whereas I am required to invest in whole shares for the ETFs.

Disclosure: I am not compensated by Schwab for any mentions made in this post.

For more on Strategies and Plans, check back every Monday for a new segment.

This is not financial, saving, investing nor millionaire advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

Wawa Gas is a Great Price

I'm a fan of buying gas at low prices.  My dad used to save a penny when gas was $0.28 per gallon.  While that isn't much, it was about  3.5% savings.   

I used to shop for the lowest gas price since there an numerous gas retailers in the area and have decided to buy from two, despite many options from major companies.  First, it was Costco gas, which requires membership, but we have one. Then it was Kroger gas with up to $1 off based on fuel points earned from shopping, and we regularly shop at Kroger.   Both of these gas providers are convenient since they are within a 2.5 miles from our house and on the way to many destinations.

Recently, there has been a new entrant in our area, Wawa.  I've noticed they regularly sell gas comparable to Costco, but no lines and are comparable to Kroger with discounts of $0.40 to $0.60 per gallon when using fuel points.  In addition, Wawa offers no ethanol gas which my spouse prefers.  Recently, Wawa regular gas with ethanol was $2.43/gallon.  Kroger was $2.90/gallon and Costco was $2.30/gallon in today's price check.   

Wawa is becoming my go to gas retailer when away from home for the following a few reasons:  multiple convenient locations, no gimmicks to lower the price, and no ethanol gasoline, which no other local retailer offers.

Disclosure:  I received no compensation for this post.

For more on The Practice of Personal Finance, check back every Wednesday for a new segment.

This is not financial nor gasoline advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

Be One's Own CFO for Personal Finances

Here's a simple strategy of managing personal finances:  50/30/20 rule.   50% for necessities such as housing, utilities, groceries.   30% for wants such as entertainment, eating out and vacation.   20% for savings and investing.   One starts with after tax income and divide up take home pay by these percentages.

The numbers are simple.  The hard part is having the discipline to achieve the numbers and making good choices when the numbers are not initially achievable.

Here my personal priority order:

1. Necessities - housing, utilities, groceries,  necessary debt payments (student loan, car) 
2. Savings/Investments - savings accounts, equities, bonds/CDs
3. Wants - entertainment, eating out, vacations, large purchases

Specifically, I put savings ahead of wants if there are not sufficient funds.

Below are the estimated take home after tax pay, but before state income taxes since that can vary significantly.

	50/20/30 Split
Yearly Income/Monthly After Tax	Necessities	Savings/Investments	Wants
$40,000/$2,848 after tax per month	$1,424	$570	$854
$60,000/$4,187 after tax per month	$2,094	$837	$1,256
$100,000/$6,561 after tax per month	$3,281	$1,312	$1,968

It is rare that people are able to meet the 50/20/30 split rule.  Here are some challenges that people have.   First, necessities often exceed 50% and they neglect to make corrects to reduce spending or increase income.  Another challenge is many people make is prioritizing "wants" over "savings/investments."

Being a CFO means making the corrections needed to get back on track to being successful.

For more on Strategies and Plans , check back every Monday for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

Personal Finance is a Business

Here's a simple strategy for personal finance:   Think of personal finance like a successful business.  Own the results.

Here's a hack/tip from business thinking.  Cashflow is a term used for businesses, which is the amount of cash flowing in and out of a business. Keep cashflow greater than $0.  Revenue (wages, interest, dividends, or rental income) in minus expenses (mortgage/rent, utilities, foods, entertainment, debt service) out should be greater than zero.  

Unlike a business though, one should minimize, reduce or eliminate debt service since it doesn't potentially increase revenue, as it does for a business.  Instead, debt service only reduces cashflow for individuals.

Replace debt service expense with an investment or savings expense.  Savings is an investment in one's future, including retirement.  Savings and investments have the potential to create revenue for the future.

For more on Ideas You Can Use, check back every  Tuesday for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

Creating a Successful Retirement

One of the best things I did was work on the elements that I had some control over.  These are the ones I worked on.

• Determining funds needed in retirement.
• Determining source and amount of income.
• Deciding how much to save.
• Deciding how much to spend.
• Deciding how savings are invested.
• Minimizing current and future tax liability.
• Managing risk before and after retirement.

Here are the elements that have an effect, but I didn't control.  I probably spent more time thinking about these that I should have.  Better to have used risk management, which I did control instead of trying to forecast.

• The economy.
• Interest rates.
• Inflation.
• Who is elected or appointed.

Even though I've been retired for a while, I still spend time working on the things I control, especially the last 3 elements.

For more on Strategies and Plans, check back every Monday for a new segment.

This is not financial nor retirement advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

Hacks to Make the Hard to Do Easier

"We do things not because they were easy, but because we thought they were going to be easy."  ~ parody of JFK quote on going to the moon.

Yes, a number of personal finance activities are hard to do, even though they sound easy.

Here are some hacks to make the hard to do, easier:

• Automate.  Have contributions to savings or retirement accounts done automatically.  Don't need to think about it or put any effort towards it except for the initial decision.
  
  
• Routine.   I set up my bank to receive most of my bills on its bill pay service.   When the bill shows up, I pay it and have the funds withdrawn the next day, way before the due date.  That way I have a running current balance in our bank account and know immediately whether I have enough funds and the amount remaining.
  
  
• Habit.  Here are examples of some financial habits.   Regularly use cash instead of credit cards.  Buy only what one needs, instead of things that one wants.  Always have a three month emergency fund. Put a percentage of raises into savings.

Progress will happen and, of course, YMMV.

For more on The Practice of Personal Finance, check back every Wednesday  for a new segment.

This is not financial advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

DIY Retirement Calculator, Firecalc©

Historically,  I have asked my brokerage financial advisor to do a calculation of how long my retirement funds will last.   Typically, the analysis uses a Monte Carlo simulation, which is thousands for trials using random returns in random order at an expected return.   The percent of successes, i.e. funds stay above zero, gives retirees an estimate of whether they have saved enough.  If one wants more exact estimate, one can add Social Security payments and other sources of income, such as rents.

A couple weeks ago, I went back to an Early Retirement website I found and posted about in 2009.  One of the elements on there was an early retirement calculator, Firecalc©.  I briefly reviewed it initially and I like the methodology.  Instead of using random ordering of annual return, it uses rolling periods of actual returns from 1871 until present to estimate how long retirement savings will last.  Using actual historical data to predict possible outcomes is a great idea.  Once can check whether one's savings would have passed the Great Depression and the Great Recession.  This, by itself, made it a great Retirement Calculator, IMHO.

This week, I started to look at all aspects of Firecalc©.  I learned it allows one to add other sources of income, including Social Security, define portfolio mix, estimate expected withdrawals, create a spending plan .   Although I have not registered, I think one can create an account so that the information put in is retained for future adjustments.

Based on limited reading of the calculator instructions, I think it is a good "what if" calculator if one spends the time and effort to evaluate one's situation and options.  I will definitely try this calculator going forward.

Disclaimer: I am not affiliated with and receive no compensation for any referrals to Earlyretirement.org or Firecalc© in this post or any My Wealth Builder posts.

For more on Strategies and Plans , check back every Monday for a new segment.

This is not financial nor retirement advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC

Bank and Savings Accounts for Minor Children

A good start for children is to give them bank and other savings accounts when appropriate.

For our children we set up two financial accounts when they arrived.  One was a 529 college savings account. We contributed the maximum amount that was deductible from state income taxes each year.  The contributions were invested in two mutual funds, one growth and one value.  Over 20 years, the value of our total contributions would almost double at a 7% rate of return.  For reference, the average stock market annual return is 10%. 

The second was a custodial savings account, which we planned to use for funding her future allowance.  A side benefit of this account is that the interest earned is not subject to federal or state income tax.

We set up a third financial account once the oldest started earning money, a Roth IRA account.  The intent was to both teach her about saving for retirement and to give her an early start on retirement savings.   To fund the account, we used the funds in the custodial account for contributions.  The maximum allowed contribution to a Roth IRA in 2025 is the lesser of $7000 or amount earned.  For perspective, $7000 in a Roth account earning an average of 7% a year will be worth over $100,000 in forty years, tax free.

The custodial accounts will convert to their own accounts once they reach 21, while the 529 plan will continue to be owned by my spouse, with our child as the beneficiary.  If there are funds leftover, they can be transferred tax free to another family member.   A recent added benefit is up to $35,000 or 529 funds can be used as Roth contributions in the future.

For more on Crossing Generations, check back every Thursday for a new segment.

This is not financial nor custodian account advice. Please consult a professional advisor.

Copyright © 2025 Achievement Catalyst, LLC