Gary McBurney - Financial Coaching

08/30/2026

Keep working towards those goals and dreams!

08/25/2026

A simple minimalist lifestyle is very helpful in your financial life as well as reducing stress! Check out this article on micro-decluttering, you’ll eventually have more time to work on your goals and dreams!

Decluttering can feel overwhelming. The micro-decluttering method can make it feel more manageable. Here's how to use it: https://thesimplicityhabit.com/the-micro-decluttering-method/

08/25/2026

I have been reading and listening to information about tax strategies in working towards retirement and during retirement.

What is one area of personal finance that you want to learn more about?

08/25/2026

Some great ideas and things to think about!

Goals and dreams!

Understanding the difference between wants and needs frees us from unnecessary burdens and aligns our lives with more lasting fulfillment.

08/18/2026

Minimalist living is a great way to work towards your goals and dreams!!

General assumptions about how minimalism can change your financial future are helpful. But the specific numbers are even more convincing!

08/12/2026

Debt consolidation loans are not a great choice for most people when working on getting out of debt. Working through paying off your debts helps create the discipline to keep yourself out of debt.

Getting out of debt and staying out of debt is a great way to work towards your goals and dreams!

08/08/2026

Goals and dreams!!

08/07/2026

What are your favorite ways to generate cash to pay off debt? Side hustles, selling stuff and cutting back on spending are some areas that come to mind.

Getting rid of debt is a great way to work on your goals and dreams!!

08/05/2026

Your 4 walls are taken care of and you’ve saved a starter emergency fund, great job! What’s next? This next step is going to take longer, especially if you have a large amount of debt.

List all of your debts, each account and both the minimum monthly payment and the total amount. The link below goes over the 2 most popular debt reduction strategies, the snowball method vs the avalanche method. The snowball method is great for achieving motivation with small wins, the avalanche method is more about the math and getting rid of higher interest debt first. Personally, I lean more towards the snowball method, it’s the method I have used personally and is usually my recommendation to clients.

Here’s how it works and why I prefer this approach, list all of your debts smallest total to largest total (note: if you have multiple student loans or similar type loans, list each year or semester loan amount and monthly payment separately). Make minimum payments on all your debts, taking any extra money and applying it to the lowest debt. This is the motivation at work, often times there are small credit cards, loans or bills, that will get paid off quickly. Keep doing this, minimum payments on all except the lowest debt, remember now you have the money that you were paying on the previous smaller debt being applied to the next, hence the name “snowball”, it just keeps getting bigger and better with more being applied to your remaining debts.

Comment below about which method you prefer or if you have any questions about either. Contact me if you’d like some assistance in setting up your plan!

Getting out of debt, staying out of debt and having a plan is how we work on our goals and dreams!

Learn the difference between the debt snowball and debt avalanche methods to figure out which might best help pay off your debt.

08/05/2026

What is Warren Buffet’s suggestion for an ETF and why?

Learning about investing is key to reaching your goals and dreams!

Most people assume that the world's most successful investors have some edge that regular people can't access. Better information. Smarter models. A network of insiders who call before the news breaks. Warren Buffett spent 60 years proving that assumption wrong, building one of the greatest ...