Weekend Reading For Financial Planners (January 25–26)
Nerd's Eye View
JANUARY 24, 2025
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Government Spending Is Out of Control! LOL
The Big Picture
MARCH 24, 2025
The text accompanying that chart reads: “ Consumption: in 2024, one third of GDP came from government spending, a record high excluding periods of war or crisis; this was financed by 6-7% budget deficits, another unwelcome peacetime record.” Both the Wall St.
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Podcast links: thinking freely
Abnormal Returns
MARCH 14, 2025
(fasterplease.substack.com) Policy Stephen Dubner talks tax myths with Jessica Riedl, a senior fellow in budget, tax, and economic policy at the Manhattan Institute. freakonomics.com) Laurence Kotlikoff talks with Prof. Richard Berner about the evisceration of financial oversight.
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How To Budget: Budgeting Methods And Budget Categories
Clever Girl Finance
JULY 3, 2023
Love it or hate it, if you want to be financially successful, you need to budget your money and understand budget categories. Getting your finances in order and building wealth takes planning, and your budget can help you do just that. Determine which budgeting methods will work for you 2. Table of contents 1.
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How To Create A Budget Binder + A Free Budget Binder Printables
Clever Girl Finance
FEBRUARY 28, 2023
Maybe you overspent on a housing project or didn’t account for a last-minute expense, but your budget got blown again. Thus, a paper and pen option like a budget binder could be the tool to unlock your financial success. What is a budget binder? A budget binder is a visible way to use a zero-based budgeting system.
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17 Of The Best Cash Envelope Wallets
Clever Girl Finance
FEBRUARY 11, 2025
If you’re thinking about using the cash envelope system to budget effectively, having the right cash envelope wallet is key. A well-organized wallet makes it easy to divide, access, and track your cash, helping you stay committed to your budgeting goals. The cash envelope system essentially puts you on a cash budget.
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Budgeting For Couples: How To Budget As A Couple
Clever Girl Finance
JULY 16, 2023
Budgeting as a couple is critical in managing your household finances. Your budget not only allows you to plan and track where the money will be spent, but it enables you to direct the course of your finances together. Table of contents 5 Steps to get started budgeting as a couple Expert tip What is the best way to budget as a couple?
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How To Use Budget Categories
Clever Girl Finance
NOVEMBER 4, 2023
Love it or hate it, if you want to be financially successful, you need to budget your money and success with budgeting means understanding budget categories. So, let’s talk about the various categories that you might need, including a budget categories list! How many categories should I have for a budget?
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How Does The 60 30 10 Rule Work For Budgeting?
Clever Girl Finance
JULY 13, 2024
The 60/30/10 budget turns the traditional rules of budgeting upside down. Instead of focusing on discretionary spending, this budgeting rule emphasizes sprinting toward our financial goals. And although the 60/30/10 rule budget won’t work for everyone, many could use it to take their finances to the next level.
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Collapse in Prospective Home Buyer Traffic
The Big Picture
OCTOBER 18, 2022
For everyone who is not a cash buyer of a house — that is about 75% of the homes sold nationally (and about half in places like Manhattan) — those numbers can be budgeted. The post Collapse in Prospective Home Buyer Traffic appeared first on The Big Picture.
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The 50-30-20 Budget: How It Works + A 50-30-20 Budget Template
Clever Girl Finance
FEBRUARY 10, 2023
Like many, you might shudder at the word budget. But the 50-30-20 budget and the 50-30-20 budget template prove it doesn't have to be difficult. A budget plans out exactly how you'll use your money and this can be tailored to suit your specific lifestyle and situation. What is a 50-30-20 budget?
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10 Of The Best Budget Templates And Tools
Clever Girl Finance
SEPTEMBER 5, 2024
But once I discovered the magic of budget templates, everything changed. Table of contents What is a budget template? The Best budget templates: Spreadsheets The Best budget templates: Apps Expert Tip: Find a budget template that works for you What are some key features to look for in a budget template?
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Inflation Expectations: A Dubious Survey
The Big Picture
SEPTEMBER 21, 2022
Consider : Questioning investors as to their risk tolerance does not typically result in an accurate description of their true tolerance for drawdowns and lower returns; instead, we get a number highly dependent upon the performance of equity markets over the prior three to six months.
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Budgeting With An Irregular Income: 5 Success Tips
Clever Girl Finance
OCTOBER 9, 2023
Whether you’re working for yourself or have an irregular job schedule, budgeting on an irregular income can be tough. But creating a budget for this type of income is easy to learn! Table of contents Budgeting when you have an irregular income 1. Create your baseline budget 2. Can you budget with an irregular income?
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How To Create A Bare Bones Budget
Clever Girl Finance
JANUARY 16, 2024
There are many different ways to come up with your perfect budgeting strategy. Alongside your monthly budget, you should also have a bare bones budget waiting in the wings. Table of contents What is a bare bones budget? Who needs a bare bones budget? It’s a budget that only covers the necessities.
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7 Of The Best Budget Templates And Tools
Clever Girl Finance
DECEMBER 26, 2022
A budget is a critical piece of any successful financial picture. Without a budget, it is hard to know where you stand financially. Even if you have a healthy emergency fund, a budget will allow you to track how much money you are earning, saving, and investing every single month. What is a budget template?
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What Is The 70-20-10 Budget?
Clever Girl Finance
DECEMBER 16, 2023
If you don’t feel like you truly have a strong handle on your finances, one possible cause for that is using a budgeting method that doesn’t work. While not everyone needs a to-the-penny balanced budget, some type of budgeting strategy or template is really important if you want to know where your money is going month after month.
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A Wedding Budget Breakdown + Tips To Plan Your Dream Wedding
Clever Girl Finance
SEPTEMBER 2, 2022
After you’ve announced your relationship status and had your fair share of celebrating, it’s time to start planning for your big day with a wedding budget breakdown! This means putting together a wedding budget spreadsheet with percentages and categories. Why a wedding budget breakdown matters for your finances.
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How To Create A Biweekly Budget In 5 Simple Steps
Clever Girl Finance
MARCH 29, 2024
When you are paid on a biweekly basis, it may make sense to create a biweekly budget. A biweekly budget is perfect for those who get paid every other week. You can structure your budget around your paychecks so you don’t miss anything with your money, and you can find out how here! How does a biweekly budget work?
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Weekend Reading For Financial Planners (December 14–15)
Nerd's Eye View
DECEMBER 13, 2024
Also in industry news this week: While the SEC has had the power to restrict mandatory arbitration clauses in RIA client agreements for more than a decade, an advisory committee meeting this week suggests support for such a measure isn't unanimous CFP Board saw a record number of exam-takers during 2024, reflecting recognition of the professional and (..)
The 50-30-20 Rule: How It Works + A 50 30 20 Budget Template
Clever Girl Finance
SEPTEMBER 11, 2023
Like many, you might shudder at the word budget, or perhaps it sounds too boring or challenging to figure out. But the 50-30-20 rule and the 50 30 20 budget template prove it doesn’t have to be difficult. If you’re looking to simplify your budgeting process or are new to budgeting, then this might be the perfect match!
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Weekend Reading For Financial Planners (February 24-25)
Nerd's Eye View
FEBRUARY 23, 2024
Which suggests that instead of trying to go head-to-head with these larger firms (and their heftier marketing budgets) in attracting clients, smaller firms might instead demonstrate how they are 'different' by offering a unique service offering tailored to their ideal target clients.
How To Create A Family Budget That Works For Your Family
Clever Girl Finance
SEPTEMBER 7, 2023
In personal finance, where income, expenses, dreams, and aspirations converge, the budget emerges as a crucial tool. It’s not just a set of numbers, rather, it’s a strategic plan that empowers you to navigate the complexities of financial decisions. Table of contents What is a family budget? What is a family budget?
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$25-an-Hour Is How Much a Year? (Plus Budgeting and Side Hustle Tips)
Good Financial Cents
MARCH 17, 2023
This information is critical if you want to create a budget and manage your money correctly. I’ll also share some budgeting and side hustle tips so you can get the most out of the money you earn. Multiply 40 hours by 52 weeks to get the number of hours worked in a year: 40 x 52=2,080 hours 3. Sample Calculation 1.
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Weekend Reading For Financial Planners (April 27-28)
Nerd's Eye View
APRIL 26, 2024
Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with the news that the Department of Labor released the final version of its Retirement Security Rule (a.k.a.
Weekend Reading For Financial Planners (Jan 28-29)
Nerd's Eye View
JANUARY 27, 2023
Also in industry news this week: Why cash management strategies could become increasingly important parts of an advisor’s value proposition in a higher-interest-rate environment Why improved returns on cash products could be a double-edged sword for some advisory clients following last year’s market volatility From there, we have several (..)
How I Stopped Wasting Money: 5 Habits That Were Costing Me!
Clever Girl Finance
APRIL 11, 2025
The number shocked me. Shifting to budget-friendly meal planning I started packing snacks and easy meals before we left the house. I gave myself a realistic fast food budget, so when we do eat out, its intentional. Grocery shopping while hungry My grocery bill was a sneaky budget killer for me. But the good news?
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Weekend Reading For Financial Planners (Dec 24-25)
Nerd's Eye View
DECEMBER 23, 2022
Why advisors crafting their marketing message might first want to consider whether their target client needs a ‘life raft’ or a ‘sailboat’ We also have a number of articles on spending and budgeting: Why advisors might want to consider using a client service calendar to organize the wide range of services they provide for clients (..)
Weekend Reading For Financial Planners (January 13-14)
Nerd's Eye View
JANUARY 12, 2024
Also in industry news this week: The Department of Labor (DoL) this week published a final rule delineating what makes an individual an independent contractor versus a company employee, though it did not provide specific guidance for registered representatives of broker-dealers and other financial professionals who have expressed concern that their (..)
The 10 Best Financial Advisor Conferences To Attend In 2024
Nerd's Eye View
OCTOBER 30, 2023
Most notable is the fact that industry associations are not the drivers of advisor conferences that they once were; while a decade ago, 75%+ of this "Best Conferences" list consisted of various events run by industry associations, now it numbers less than 25%. Read More.
3rd Quarter Economic And Market Outlook: Understanding Risks And Opportunities In The Web Of Inflation, Interest Rates, Valuations, And More
Nerd's Eye View
OCTOBER 4, 2023
People often talk about "the economy" as a single entity whose parts move in unison, with a small number of key indicators (such as GDP, the unemployment rate, and inflation) moving reliably in relation to each other. And even though U.S.
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When Luxuries Become Necessities
A Wealth of Common Sense
OCTOBER 8, 2024
These numbers are averages so your personal household budget probably looks different in some ways. Each year the Bureau of Labor Statistics (BLS) updates consumer expenditure data on how Americans collectively spend and earn their money. — often dictate how you spend.
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Your Guide to a Financially Healthy Holiday Season
Your Richest Life
NOVEMBER 12, 2024
The good news is that number has come down over the past couple of years, falling to its lowest number since 2017. But holiday spending is still a struggle for most people, with seven in 10 people reporting that they usually go over budget on their holiday expenses. That doesn’t have to be your story, however.
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Weekend Reading For Financial Planners (July 6-7)
Nerd's Eye View
JULY 5, 2024
Also in industry news this week: A separate Supreme Court decision struck down the SEC's use of in-house judges to adjudicate cases involving civil penalties (unless both parties in the matter agree to it), likely setting up more settlement offers from the regulator to avoid a drawn-out legal process in the Federal court system At a time when it has (..)
Inflation is Obvious But Wage Gains Seem Invisible
The Big Picture
JUNE 27, 2024
and energy as a percentage of your household budget is less than it ever was. For most of us who are not regularly crunching the numbers in spreadsheets, it may not feel that way. It’s been a little bit higher and somewhat lower over that period, but gasoline prices have been rangebound for 2 decades. But so too have wages.
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7 Steps to Define and Align Your Money Values for Success
Clever Girl Finance
JANUARY 10, 2025
Your money values influence the decisions you make about budgeting, saving, investing, and even giving. That realization encouraged me to create a fun fund in my budget , so I could treat myself to experiences without guilt. Creating this list helps you see the bigger picturemoney isnt just numbers in a bank account.
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How Amazon Become Ordinary
The Big Picture
AUGUST 1, 2022
Between my home and office, I spend an obscene percentage of my discretionary budget at Amazon. I searched for the exact product number “CR2450 Lithium” and bought the first result, a Duracell. I’ve been an Amazon customer since my college roommate gave me a gift certificate in 1998. That was where signs of a shift began to show.
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#FA Success Ep 356: Scaling To (Nearly) $2M Of Revenue As A Flat-Fee, Advice-Only Firm, With Sarah-Catherine Gutierrez
Nerd's Eye View
OCTOBER 24, 2023
And be certain to listen to the end, where Sarah-Catherine shares how, as a founder, she has learned to get comfortable simply leaning into her instincts, even when she can't fully back up a decision with numbers, finding her own compass for determining what will best for her clients and the company at large, how Sarah-Catherine's determination to (..)
Rabbithole: What Do People Get Wrong About Money?
The Big Picture
MARCH 10, 2025
My sister grew up a little more comfortable, middle income and the youngest, my brother, was solidly upper-middle class.
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How To Succeed At A Low Buy Year And Transform Your Finances
Clever Girl Finance
FEBRUARY 11, 2025
In a low-buy year, you might allow yourself a $100 clothing budget for the year or one new item per season. Likewise, if you have your credit card number memorized, cut it up and ask for a new one. Seeing those numbers grow will keep you motivated. What Is The 70-20-10 Budget?
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Tuesday links: staying young psychologically
Abnormal Returns
SEPTEMBER 3, 2024
entrylevel.topdowncharts.com) Strategy Analysts focus on these market numbers, you don't have to. frontofficesports.com) Global Ireland is running a budget surplus. Markets How major asset classes performed in August 2024. entrylevel.topdowncharts.com) REITs have stopped going down. axios.com) Year 2 for ESPN Bet is here. than Europe.
10 Thursday AM Reads
The Big Picture
SEPTEMBER 7, 2023
One former Tiger employee recalls a partner taking a 10-hour red-eye to visit the offices of a prospective portfolio startup, crunching numbers, then meeting with the founders in the morning. Budget Has Receded. They’re doing it again after a two-decade break. Within 24 hours, that partner was already on a flight back home.
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Check in with Your Financial Goals this Summer
Your Richest Life
JUNE 3, 2024
Some people start to feel like they’re behind on their goals anyway, so what’s the point of looking at the numbers to face the reality? And you work that into your budget to make sure you’re allocating more funds to those accounts for the rest of the year. Everyone, regardless of how much money you make, needs a budget of some kind.
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Try A No Spend Month To Reset Your Finances!
Clever Girl Finance
FEBRUARY 11, 2025
Follow your existing budget : Stick to your pre-planned necessities and nothing extra. It’s a good idea to buy personal hygiene items in advance of your no spend month so you can reduce the number of essentials you need to get beforehand. What Is The 70-20-10 Budget? You may even inspire them to join you!
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