05/26/2026
Sometimes clients come to me wanting the “right” way to manage their money. 📜
How much should they spend on x?
Should they focus on being debt-free or investing?
How much cash should they keep in the bank?
And the answer is:
I can’t tell them. 😌
I can tell them what’s average.
What’s common.
What tends to work well.
What usually blows people up financially. 📉
That information is not without value.
But there is no universal “correct” financial strategy detached from the human being attached to it.
Money is a tool.
Fuel. ⛽
A means to an end.
And until we all have the same past, same nervous systems, same goals, same responsibilities, and same desires…
we are going to need different things from our money.
Some people feel most free with a giant cash cushion.
Some people feel trapped by too much money sitting still.
Some people genuinely value current experiences more than future returns.
Some people want aggressive growth and are willing to tolerate risk to get it.
None of that is inherently wrong.
But know who you are, and what you want.
I don’t really judge people based on how much they spend.
But I do judge people. 😈
I just save it for dishonesty.
Setting a budget based on the person you think you should be instead of the person you consistently are? That’s dishonesty.
Saying your priority is freedom while your money keeps funding appearances? Dishonesty.
Insisting you want one result while repeatedly doing the thing that creates the opposite result? Also dishonesty.
And to be clear, I’m not even talking about lying to me, although this is very annoying if you’ve hired me to help with your finances. 🫠
I’m talking about lying to yourself.
Do what you want with your money, man.
Buy the watch. Don’t buy the watch. Max out retirement. Open the wine. Build the business. Stay home with the kids.
But be honest about the tradeoffs.
Be honest about the priorities.
Be honest about what future your current actions are building.
Mind your business.
But mind it well. 💅🏻