No Non-Cents Blog

One of the most common conversations I have with clients revolves around a simple but powerful question: Where does all the money go?  We work hard, we earn a good living, but at the end of the month the checking account seems to drain faster than we’d like. Often, the answer lies not in one large purchase, but in hundreds of small ones. This is what I call the “Starbucks dilemma”—spending more than we realize on coffee, meals, and convenience, while missing the opportunity t

Market volatility is an inevitable part of investing, but when tariffs and trade disputes enter the equation, it can lead to heightened...

The world is always changing, and relying on one technology, investment, or crop is risky. History gives us many examples of the dangers...