The Hardest Thing I’ve ever had To Do

I’ve done a lot of things in my life as far as jobs and experiences go, and you might think that being a high school teacher is at the top of that list. While that was a very difficult job, and I believe all teachers are severely underpaid. But teaching high school kids these days is a walk in the park compared to the work I do in getting people to understand that they need financial planning help.

With that, I believe wholeheartedly that there are two professional services that are worth every penny, given that the consumer pays for a professional of high quality who knows what they are doing. The first service is obviously financial planning, and the second is psychology. Yes, I say this from experience, and I am not ashamed to admit it. I carried baggage and I needed unbiased, objective help to work through it. The unnecessary stuff I think we all carry from a lifetime of growth and development often prevents us from seeing the world as it really is. For example, anyone who knew me in high school would tell you that I was shy, reserved, and a loner. It wasn’t until I sought help during graduate school that I was able to overcome those things. While I am still a bit shy and reserved, I am not at all as closed-off to the world as I was when I was a young adult. Consequently, I had to get through some psychological stuff in order to overcome these unwanted personality traits.

Believe it or not, psychology and our finances go hand-in-hand. Often times it is the point-of-view we are raised with that influences our financial behaviors as adults, just as the environment we grow-up in influences our character. To that point, a person who has been raised in a family of spenders will often grow up to counter-act that behavior by being a habitual saver in adulthood. We all know that overspending is a bad habit because it can lead to financial discomfort, and you may think that uncontrollable saving is a better habit to have. In actuality, the best place to be is somewhere in the middle where you can save for your future while also enjoying the present. Unfortunately, many people refuse to seek the help necessary to find that happy medium. This can be due to fear, anxiety, or sheer denial. Just like with my irrational introverted behavior, I realized, only through professional help, that the best place to be was somewhere in the middle of introversion and extroversion. I was able to find that at times I can be introverted, and at other times I can exert myself, and my life is much better for getting that help. Those people who sought to find the happy middle with their finances rarely, if ever, said that paying for the services of a professional Certified Financial Planner was a bad thing.

So, do yourself a favor. Seek help with your financial situation. Take a leap towards your goals and your future by contacting a qualified Certified Financial PlannerTM. Do I hope that you will click the contact me button? Absolutely, but if you want to find someone else go right ahead. I’ve included links to places where you can research other advisors who may fit your needs, but believe me when I say that financial planning is a service we all need and it is well worth it.

XY Planning Network

Financial Planning Association

CFP Board of Standards

Fee-Only Network

National Association of Personal Financial Advisors (NAPFA)


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