Click on this for the purty version:


It’s a Money Nerd Gold Rush this time of year…  2016 taxtime AND 2017 quarter 1 wrapup!!!

Here’s a good gameplan for what to make sure is taken care of, $$-wise.

1) Did you set $ goals for this year? If so, how’s your progress coming along? If not, it’s not too late to set some goals for the rest of the year!
(Feel free to send me your goals and/or progress update. I love that stuff.

2) Have your taxes been filed? (If not, here is a helpful article for business owners who are doing their own tax prep. )

3) Is your predictive spending plan done for April? Meaning, the budget numbers are in writing and match at least roughly what you know you’ll earn. I’m getting ready to do mine in YNAB after I send this to you. #swoon

If you’re still wanting to get started (or re-started) with a financial tracking system, know that pretty much any of them can do the job. Choose one that makes your eyes relatively happy and go with it. You know I love, personally. I also recently was impressed with LearnVest’s free budget tracking tool. (Note, though, I have no recommendation about their ongoing planning services that the tool is meant to sell, since I don’t have experience with that.)

4) If you’re self-employed, have you set aside money to pay quarterly estimated income taxes? We’re asked to send in either what we paid last year, or 90% of what we think we’ll owe for this year’s time period. (A quarter is just 3 successive months. So Q1 is Jan/Feb/Mar.)

5) Have you made follow-up attempts to those who owe you money? I’m amazed how much earned money is just sitting out in the world unclaimed.

6) For your household finances, are you clear with who you live with about the places your money intersects? Any cleanup conversations to have, or new desires to express about what you’re wanting to create financially? (I do recommend making sure the other person is in a place to receive a conversation like that. It always seems to help to start with, “Would now be a good time to ask you a question about our money?” If it’s not, find out from them when would be a better time, and then make sure to follow up.)

Speaking of household finances, some of you have heard me rave about my experience with Simple Bank. Good news, they now have a method for couples who share some financial responsibility.   This is a potentially great answer for those of you who want to have some joint finances with good visibility, as well as have your own accounts for the private portion of your spending.

GOOD LUCK with this stuff. Fortune favors the brave. Please don’t hesitate to reach out to me if I can clarify any of this stuff. I know it can be intimidating at times, but my experience is, if you just keep going, you WILL get awesome results.


Have you ever read Money magazine? It can be kinda dry and somewhat repetitive, but it also contains some good common sense wisdom. The editor recently sent her good-bye letter and I wanted to share it with you because it distills their common sense very well.

From Money editor Diane Harris:

“Finally, dear readers, I end with a bit of heresy from someone who has made her living as a personal finance journalist for more than 3 decades: At its core, this stuff isn’t that hard. In fact, I can boil the keys to financial security down to just 3 steps. Sure, you’ll build even greater wealth by adhering to the additional tips you get in every issue of MONEY. But honestly, if you do nothing but this, you’ll be okay:

1. Have 6 months of living expenses stashed in a safe, liquid account to help you through life’s inevitable bumps.
2. Automate your retirement savings, and boost your contributions by a percentage point every time you get a raise.
3. Spend mindfully, weighing each purchase against your goals. And when you do part with cash, favor spending on experiences and people you love over other stuff-science confirms the former makes you happier than the latter.”


For those of you ready to kick your financial geekhood up a notch, I recommend Daniel Croby’s work. He is a trained clinical psychologist, turned wealth manager and author/speaker on behavioral finance. Great tips for yourself, and potentially your own clients (since EVERYONE has to deal with money in some form!).

Here is a podcast interview of his that I enjoyed and thought you might, too

Here is his recent book, which I am currently enjoying for its relevant information as well as humorous delivery.