by Jay Zigmont, PhD, CFP® | May 3, 2022 | Financial Planning, Investing
Investing is not hard, but it is important. The key is to follow the rule that “You only invest in things you understand.” The rule applies no matter how much experience you have in investing. Understanding an investment includes: Why you are buying it (the impact on...
by Jay Zigmont, PhD, CFP® | Feb 10, 2022 | Budgeting, Debt Management, Financial Planning
For most Americans, debt has just become part of life. It is almost like we are born with it. At 18 we enter college, sign on for student loans, and there are stands everywhere offering free gifts if we sign up for a credit card. Then we ‘need’ a new car, get a car...
by Jay Zigmont, PhD, CFP® | Jan 17, 2022 | Financial Planning
It used to be that the goal was to retire and ‘get the watch.’ People would work 25 years at one company, pay their bills, and then retire (often with a pension). Those days are gone. Retirement is no longer ‘guaranteed’ for anyone and may not even be a choice for...
by Jay Zigmont, PhD, CFP® | Dec 28, 2021 | Budgeting, Financial Planning
At the end of each year, we need to look back and forward. We need to look back to understand what worked and what didn’t, while we need to look forward to understand what we can do differently for next year. The goal isn’t to beat ourselves up for the past year but...
by Jay Zigmont, PhD, CFP® | Dec 6, 2021 | Financial Planning
My path to becoming a CERTIFIED FINANCIAL PLANNER™ may be different than most. I was raised in a family that could barely make ends meet (we were broke). I have made more mistakes with money than most. My background isn’t in finance, it is in Adult Learning and...
