- Create a financial roadmap.
- Identify financial blind spots
- Improve your credit rating.
- Buy a car without being 'taken'.
- Learn vital money life behaviors & right actions.
- Evaluate pros & cons for better financial decision making.
- Establish greater communication over money matters between spouses.
- Acquire sudden lump sum wealth, windfall, or inheritance stewardship skills.
- Interpretation & translation of difficult or confusing financial terms and forms.
- Engage in creating a greater net worth and financial resilience & independence.
When asked about the services I provide, depending on the situation at the time, there is my short answer or the long one. That being, "I teach people how to make better financial decisions, one person at a time", or "I help people to stop doing stupid things with their financial lives and teach them how to take smart steps, that will bring them greater prosperity and security". In short, I am in the instruction business. I help people build, rebuild, or remodel their financial lives. Inevitably, any further discussion turns to examples and anecdotes, so I decided to give an sample list of skills and outcomes of my mentor work with people. This is by no means a complete compilation, but rather a representation of real life learning achievement.
We have crossed the threshold of yet again a brand new year. History has again been made, with the peaceful transfer of power in our country, to a new president and administration. As of today, 2018 is before us like a book with only the introduction written so far. The closing of a now previous year of our lives, and the process of starting anew, is traditionally a time of reflection. This is both good and appropriate. In the busyness of life, it does not always happen much. The Bible gives us two gems of truth to ponder, as we begin to write new pages of our life in 2018:
So, are you content to end this year of 2018 we have entered, in the exact same financial place as you are now? The master key to increased financial well-being is not only knowing what to do, as important as that is-- but actually getting it done. Implementation of positive change, that is a big part of what a financial coach produces--real life results. There is no better investment than your own improvement. Personal financial literacy is one of the most foundational life skills you could ever obtain, in terms of impact on your future. What are you waiting for? ~Steve
Last week, after a particularly long and frustrating day, I decided to do something I had not done for some time. That being, watching a movie on Netflix as a mindless diversion. Selecting an appropriate distraction, I settled in for one & 1/2 hours of removal from the fray, before hitting the sack. The basic plot of this sci-fi script was about a huge tech company involved in developing sophisticated combat robots to replace live troops---in this case marines.
A squad leader of the group that was to train with these robo-destroyers was unimpressed. He felt that a machine with a software program was not the same as a living person with a reasoned cause. A representative from the manufacturer tried to make the point, that they were doing all this so that people like him didn't have to risk their lives. To which the character in this movie replies, "This is a choice I make, and I do so in part so that people like you don't have to." Wow. I thought, yes, this is true, and I am so glad for the many ordinary, but valiant souls that have made that choice. Thankful for those both in the past and presently, that have had this very personal aspiration.
Further, as the story moved on, the name of these 'intelligent' bots kept coming up, which was SAR units, or SARs. This stood for Study-Adapt-Reprogram. Again I thought.....Wow. This is exactly what the average person today doesn't do in their lifetime. There is no new learning, no applying of fresh knowledge, and no course correction to take one's life in the direction of their ideal. Only the same routine of endless mediocrity and non-achievement of life fulfillment. But this SAR acronym is a simple version of the process I take my student/clients through. Creating positive financial life momentum toward a chosen life direction ideal.
May we all be grateful for those who choose to protect and defend our collective freedom. What personal growth choices are you making to fulfill your life potential; seeing as how we have this fragile gift of freedom to actually do so? A good question might be: How deep is any life rut you happen to be in? And also: Can you even still see over the edges? Time is a finite commodity. That which is used cannot be renewed. What are you waiting for?
LEGAL DISCLOSURE STUFF: Steve A. Brubaker is a professional financial educator and counselor who acts as a truth broker in his client's money lives. As a former long term practicing financial planner, he has broad knowledge and experience in the world of money matters. He is not currently a licensed financial advisor, investment professional, or insurance agent. Neither is he a licensed attorney, certified public accountant, or enrolled agent. The service he provides is educational and skill building, in both nature and substance. Teaching and training is provided in principles, precepts, strategies, and factual knowledge of financial truth--especially relevant to each person's individual needs and circumstances. This learning equips clients for more consistent success in personal objectives achievement, and mastering their own money life matters. Further, student learning is designed to increase both confidence and understanding, in dealing with life impact financial decisions, and major monetary purchases. Should additional, specific recommendations in insurance, investment, legal, or tax matters be needed or desired, a qualified, licensed professional should be sought.