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“How do I change my behavior?” That’s the question one of my students asked after a GCC Money Talks session. It was the Fall of 2019 and Money Talks had just launched and this student was one of the first to participate. It was a great question, unfortunately, I didn’t have a great answer. I did find a blog post with 5 Ways of Changing Your Financial Behavior but I knew that I needed a better answer.  Fortunately, I found that I already had a great resource on my bookshelf. The book, Change Anything is exactly that – a great answer and set of strategiesRead More →

crop unrecognizable financier using calculator on smartphone near dollar banknotes

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As a College Financial Educator, I’ve become familiar with several mistakes that students, and their families, make when paying for college. And one that concerns me is when parents prioritize college over building their own retirement fund.  I get it, parents love their kids. But here’s the thing, there are loans for college, no one’s going to give you a loan for your retirement. I also get that your kids are headed to college before you’re retiring, but your money needs time to grow. For every 10 years that you hold off investing, you’ll need to double the amount of money that you invest toRead More →

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To appreciate something is to pay attention to its value (and in so doing, to increase its value in our own eyes). When we don’t do this, we fail to see the value in the people, situations and things around us – they depreciate (lose value) in our eyes.  So, why do we do this? After all, why would we want any part of our lives to lose value? Well we don’t want to but often people get focused on other things and many things get overlooked or taken for granted. This Thanksgiving weekend, I want to remind you of the value of appreciation.  GratitudeRead More →

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Believe it or not I suck at small talk. I’ve tried and I would say that my social skills have improved over time. Still there are times when I struggle in this area. But perhaps small talk is overrated. After all, wouldn’t you rather have a more meaningful conversation? That’s what Kalina Silverman thinks too. After a conversation with a friend had her wondering about the value of small talk, she embarked on an experiment called Big Talk. Later, she developed a set of cards that can help people to have more meaningful connections with others or to reconnect with themselves by using the questionsRead More →

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I’m a fan of personal development – and analogies. One of my favorite analogies is that learning is like making a candy apple. You see, to make a candy apple, you don’t just dip the apple into the red, candy syrup once – you dip it in and then let it set and then dip it in again and let it set and repeat this process to build up that candy coating (well, at least that’s the metaphor – the recipe I just saw is nowhere near that labor intense). And this serves as a metaphor for learning. We don’t learn things by spending aRead More →

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Yesterday I had the opportunity to speak at our District’s Student Success Conference on the topic of ‘Turn Your Money Mess into Your Money Message’. It might surprise some, but for a long time I saw myself as not good with money and not the money type. So, sometimes it even surprises me that I’m now a Financial Educator. But then again, the journey that I took is part of the reason that I’m passionate about Financial Education.  It’s because I know what it’s like to struggle with money, not only the money issues but the emotions and the stress. I remember times when IRead More →

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Generational wealth is a topic that many have become interested in and that’s a good thing. But the focus is largely on passing along wealth in the form of assets and savings. But money without money management skills only leads to bigger money issues. Don’t believe me? A CNBC article reported that lottery winners are more likely than average individuals to declare bankruptcy. And just google: ‘celebrities who went broke’ to see more examples of how money without financial education (and self control) led to bigger money problems than the individual previously faced. I’m on a mission to break generational legacies of being broke andRead More →

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You’re probably very familiar with the many health benefits of drinking water; water aids digestion, flushes out toxins and boosts your immune system and metabolism. But do you struggle to get enough water each day? One strategy that can help is to start tracking your water intake – you can do this on paper or with an app.  I started doing this over a year ago. Originally my tracking consisted of tallies. It worked well but there were times when I lost track and wondered if I’d tallied that last glass of water or not. So my new system is that each day I writeRead More →

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Comparing ourselves to others is a somewhat normal, human activity. But we’re doing ourselves a disservice because we’re not, as they say, comparing apples to apples. You see, when it comes to our own lives, we know all the nitty gritty details, all the imperfections – and that’s fine, but is that what we compare, too – no! Because we don’t have that same perspective on other people (thankfully, because I wouldn’t want to know all those details about others’ lives and I wouldn’t want everyone knowing all that stuff about me – TMI). So, what do we compare ourselves to? Not to actual peopleRead More →

decorative purposes - one whole egg surrounded by broken eggs

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Of course, you’re leading your life. But, that’s not the same thing as being the leader of your life. In truth most of our decisions are automatic – that is, we don’t really even think about them anymore. And even when we do think about our decisions we may rule out or not even realize some of our options. Why?  Because instead of leading we’re more concerned about fitting in. We’ve learned since we were little to go along and most of all to avoid standing out.. That means doing what others do and what others would find acceptable while avoiding anything that others wouldRead More →