No Non-Cents Blog

Long-term planning is one of those things everyone agrees is important, right up until it requires actually doing something about it. It sits in the same category as eating healthier, exercising consistently, and getting more sleep — universally endorsed, occasionally acted on, and very easy to push off until “things calm down.” The problem is that, in financial planning, things rarely calm down in a way that makes long-term thinking feel urgent. There is always something mor