No Non-Cents Blog

Congratulations! You’ve found The One — the person who laughs at your jokes, tolerates your family, and said yes  to marrying you. You’ve conquered the hard part (finding each other) and survived the wedding planning process (which, statistically speaking, is more stressful than assembling IKEA furniture without instructions). Now it’s time for your next great adventure: combining your finances. Cue the dramatic music. Because nothing says “happily ever after” quite like deba

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

Ah, the government shutdown—a phrase that can send shivers down the spine of even the most seasoned investor. It conjures images of furloughed employees, empty offices, and Washington, D.C., in a state of frozen chaos. But before you start envisioning your 401(k) being eaten by a giant bureaucratic monster, take a deep breath. A government shutdown is rarely the financial apocalypse it’s often made out to be. Let’s take a light-hearted stroll through what a shutdown really me

Selling a business is often the culmination of years—or decades—of hard work. Whether you’re planning to retire, pivot into a new...

What happens when Suzan turns 73 and must start taking the required minimum distributions?