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

Money is one of the last real taboos in our culture. We talk about politics, relationships, and health far more openly than we do about...

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

Traditional retirement strategies often focus on calculating future expenses, which seems sensible—after all, financial security is...