What You Value May Surprise You

by | Dec 9, 2017 | Financial Articles for Adults/Couples, Financial Education Articles for Women, Financial Literacy, money lesson, What you can do

Note: This post was written the week of the Thomas Fire in Ventura/Santa Barbara Counties in California.

This week I have been forced to discover what I value in life, aside from life itself and the lives of people I love (and this includes my dog, Jasmine).

While it was a coincidence, I was on a little week-long retreat in a town about 200 miles north on the coast in Cayucos beginning Friday, the 1st, when the Thomas Fire started in Ventura the following Tuesday. The second coincidence is that my girlfriend, Marilyn, was scheduled to come up that Tuesday…the same day she had a voluntary evacuation from her home in Ventura not less than a mile from the front of the fire!

But coincidences aside, when my boyfriend realized the fire was getting way too close to our home in the foothills of Carpinteria (at the edge of the wilderness no less), he quickly drove home to see what he could do to secure the house and pack up some of our ‘stuff.’

As I’m making a list and texting it to him, it was interesting to note what I valued. Besides the usual files for this and files for that, I wanted 3 paintings that meant something to me and get this…I wanted my clothes.

To heck with the kitchen stuff or the rest of the paintings or anything else, I just really like the clothing I have collected the past 10-15 years. Why? Well, that came with a bit of inquiry but I realized it was because I like to be comfortable and I don’t find most clothing comfortable.

Hence the standard Elisabeth Dress Code: tights, white v-neck men’s t-shirt from Costco and a flannel shirt. Anyone who really knows me knows that most of the time I’m not too far from one of my flannel shirts.

So…he got my clothing, at least most of them. A few sweatshirts hid behind the door which is just fine with me since I already had my favorite tie-dye one!

In addition, he grabbed my favorite (and valuable) Thomas Kinkade paintings and the very first painting I ever bought when I was 25ish.

Deciding what to leave and what to take

What to take in an emergencyI suppose the only way to really know is to ask yourself, “Would I miss this so much I’d never get over it?” Or, “Is the meaning I put on this item worth taking up some of the limited space in my vehicle?” Or, “If this item is destroyed, is it replaceable and if it isn’t, would I be able to function in my business, personal life, etc., without it?”

If the answer is YES to any of these, and you still have room in your car, then you probably should take it.

Also, just as I did, do a little intellectual digging to find out what’s under what you value. In my case, it’s comfort and having choices when it comes to what I put on my body. For me, it’s not about style…I couldn’t care less about styles…it’s literally about comfort.

Finding What You Value

The best thing to do is to have these conversations with yourself and the rest of your family and create a list of the things you’ll grab in an emergency but please do this BEFORE there’s an actual emergency.

When I asked my boyfriend if he grabbed a certain thing, he’s not always sure. Why? Because he was scattered, stressed and little scared of the fire encroaching. And I don’t blame him! I was the same way and I was 200 miles north!

OK, turn off your email, put away Facebook, gather your family and walk around your home to determine what you really value and get that list made pronto (if you don’t already have one that is). I promise, if there’s an emergency in your future, you’ll be so glad you did!

Just something else to think about…

5 Steps to Creating the Habit Of Wealth in Just 15 Minutes a Day

by | Jan 3, 2017 | Financial Articles for Adults/Couples, Financial Education Articles for Women, WEALTHwork™

Yup…it’s yet another New Year to ponder. I wanted to wait until you got most of the “Make this year your best year ever” emails before I sent this one out. I’m sure you’ve rolled your eyes several times already so I thought perhaps I’d give you a few completely unique tips to apply to your financial life.

These are some of the questions the financial gurus often ask you to ponder:

  • Where are you now?
  • Where do you want to be next year at this time?
  • What’s it going to take?
  • Are you ready to commit to making it happen?

The following 5 steps, however, as a bit different. Why? Because your financial situation is as much an inside job as it is learning and applying new financial habits in your life. Just as the quality of the apples on an apple tree has to do with the health of the tree’s roots, the quality of your external financial situation has everything to do with your mental financial roots (aka, belief systems).

If you’re one of the many people in the United States who need a financial makeover, here are five very effective, though unusual, steps you can take to start you down a happier, more prosperous road through 2017.

Step One:

5 steps to wealth

Begin each day with gratitude. Take two minutes first thing in the morning, over your coffee, tea, green drink, smoothie or hot chocolate, to experience gratitude for things in your life: your situation, your family, your experiences, your opportunities to learn, your health, your partner, your toothbrush. Whatever it is…just think about, and FEEL, grateful for as many things in your life as you can in two minutes. To add an additional level of awareness to this process, keep a gratitude journal by your bed or on your kitchen table…whatever is easiest to turn into a habit and write in it every day…if even just for a minute.

Note: If a fancy journal makes it easier for you to write, simply type ‘gratitude journal’ into Amazon and take your pick!

Step Two:

Start keeping a money journal. Not just for spending but for anything and everything related to money: saving money, investing money, expenses, purchases, why/when you use cash vs debit card vs credit card, thoughts you have about money (THIS is a biggy). This money journal doesn’t have to be fancy or laid out in any particular way, just start writing your money activities down…all of them! It’s only when we are aware of what we’re doing or thinking that we can then set out to modify what we’re doing or thinking in order to bring us a different financial experience.

Note: It usually takes at least two normal weeks (i.e., no company, holidays, vacations, etc.) before you start seeing your spending patterns. You know, the ones you need to change. If you really want to make some changes, keep the journal for a least a month. And if you REALLY, REALLY want to change, keep the journal going always.

Step Three:

Figure out how staying in your current financial position serves you. You heard me correctly…why might you not want to change? There is a saying that goes like this:

“People don’t change until the pain of change is less than the pain of staying the same.”

Believe it or not, many human beings don’t really WANT to change because to change often requires compromises, effort, letting go of some things, etc. and for whatever reason, some people are unwilling to change even though they give lip-service to wanting a different life.

Human beings hold very deep-seated beliefs when it comes to money (and everything else for that matter) and those beliefs literally control everything we do in regard to money. When you can’t seem to change what you’re doing, figuring out what keeps you stuck where you are is a very good thing indeed.

Doing daily introspective work using a journal, talking to a best friend or even hiring a money coach can help you sort out what’s at the heart of your money issues.

Note: Even if don’t have money issues, you do have money beliefs that are important that you understand. You never know when a negative belief might just rear its ugly head and cause problems for you.

Step Four:

Figure out how improving your financial situation would change your life. Make a list of how things are now and how they would be if you made, or had, more money.

Now, ask yourself this profound question:

“Can I change how I think and feel to experience the life I want this very instant?”

I know it seems like a strange question, but the fact is, you CAN change your experience of life in a heartbeat of a second…if you can learn how to change your MIND about your experience.

Here’s a great book that I highly recommend…The Untethered Soul by Michael Singer. It’s not about money…it’s about something a whole lot deeper. And when you can see life at a deeper, and different, level, you begin to look at everything differently…especially money!

You see, I have been involved with money and people (most of them little, but still) since 2002. I have noticed that money makes people crazy in so many ways.  I have noticed that there are people WITH money who are always upset about their financial situation and people with a lot less money who seem sane, happy and satisfied.

Learning to look at money, your life, and life in general a little bit differently can go a long way toward bringing you a little bit of peace around your money situation. Just something to think about…

Step Five:

Figure out how to make doing your money differently a PRIORITY, because if you don’t, you will never change your financial situation.

The fact is, unless something is a priority to you, you just won’t focus on it. You won’t pay attention to it. You won’t do what you need to do in order to get where you say you want to go.

Think about all of the things you do each day…the things you always do no matter what. Why do you do these things? Exactly…because they are a priority to you.

Developing new money habits is one of the requirements for having a new, and improved, financial life. And as soon as you make improving your financial situation a priority, you’ll make developing new money habits a priority and you’ll be off and running.

In summary…I’d venture to say that this list of five steps is probably a little different than other articles you’ve read. While the other lists give you a lot of great financial to-dos, it doesn’t help you develop the neccessary foundation for change if you’re truly tired of your current financial situation and would like to have 2017 be different.

If you’re ready to make a change, you have options:

  1. Start reading books about money. Any and all books, especially books about belief systems such as The Secrets of the Millionaire Mind by T. Harv Eker. Just visit your local library and start checking out financial books. Would will be surprised at how quickly you start to figure out what you need to do.
  2. Next, start attending any and all local workshops, seminars or other group events you can attend. You might only pick up one little tidbit, however, those tidbits will add up to a great education quicker than you think.
  3. Lastly, consider hiring a money coach. Yours truly is available and happy to help you make the necessary changes and take the needed steps to get you moving toward your financial goals. Just give me a call at 805-957-1024 or send me an email at Elisabeth@innerwealthpublishing.com. It would be an honor to assist you!

Happy New Year!

The Top 5 Mistakes Women Make With Money

by | Apr 20, 2015 | Financial Education Articles for Women

Women may control the purse strings in most households, making 80% of all consumer purchases and paying more than 60% of the household bills, but many struggle with a love/hate relationship with money.

In today’s world it’s more important than ever for women to have a healthy relationship with money, know how to deal with it, how to make it grow and how to pass that knowledge along to their children. The first step is to understand what they’re now doing wrong and why.

1. Letting Someone Else Deal with Money Issues

In some households, it’s the husband who handles all the money issues. In others, money matters are given over to a professional who advises and invests. Whatever the scenario, everyone needs to know what’s happening to their money and be actively involved in making decisions regarding finances. Everyone – men and women – should know how much money comes into the household, how much goes out, and what they have in savings and investments. Having a clear picture of your financial situation will allow you to make better decisions and feel more comfortable about your future.

2. Not Talking about Money

Why is it so hard to talk about money? It’s a part of everyone’s life and there’s nothing dirty or secretive about it!

Talking about money is especially important for couples. Money, not sex, is the number one reason for marital discord but couples are often uncomfortable talking about finances. For many, it’s a sensitive subject that no one wants to broach.

Communicating about money isn’t just about numbers. Each of us has a different money style and personal views on spending, saving and financial planning. Simply talking about how you feel about money, your past experiences, and your future goals helps to establish healthy communication about money matters.

For parents, it’s critical to talk openly and honestly about money with children. Start early and teach them about earning, spending and saving and they’ll have a head start on a bright financial future.

3. Not having a Budget

It’s one of the basics when it comes to money management yet many households don’t have a budget. While it can seem a bit overwhelming, the time it takes to track income and spending is well worth it. It can be as detailed or broad as you feel comfortable with but it’s invaluable as a roadmap to your future. A budget helps you stay out of debt, understand what and where you spend your money, and it can help remind you of your goals and make it easier to save.

4. Not Treating all Money the Same

There’s a term that’s used in behavioral economics called mental accounting. It refers to how we treat money from different sources differently. Whether it’s a windfall from lottery winnings, a tax refund, or money in the bank you’ve worked hard to save – it’s all money – but there’s a tendency to treat it differently. Money that comes to us without much effort is sometimes seen as less important. For example, if you got a bonus at work, would you put it into your savings account or would you spend it?

If you treat all your money the same, you’ll find you have more of it to go around.

5. Having the Wrong Attitude About Money

There’s a popular saying that money changes everything. Money can affect career decisions, relationship choices and self-esteem. It can be a major stressor and affect health.

Why are we so conflicted in our feelings about money? Because we deal with money in emotional ways. Some people are infatuated with money and allow it rule their lives. Others spend as a way to make themselves feel better. And some are so afraid of not having money that they hoard it and have a difficult time spending it and enjoying it.

Once you take the emotion out of money you can deal with it in a logical, rational way. People with a healthy attitude about money know that it can’t buy happiness but the choices we make regarding money can go a long way toward making our lives better.

Get the free report ‘5 Millionaire Tips for Women: 25 Steps You Can Take Today’ at http://www.MillionaireWomenMillionaireYou.com Stephanie J. Hale was once a struggling single mother. Today, she’s a successful entrepreneur and speaker, teaching other women how to achieve financial freedom.

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Great Financial Tips for Stay-at-Home Moms

by | Mar 26, 2015 | Financial Education Articles for Women

Article Overview

Stay-at-home moms face a myriad of challenges; not the least of them is managing family finances on only one income. This is just a short list of issues. Self education regarding family finances is crucial for homemakers because of reduced income, lack of retirement accounts, increased need for self-discipline (possibly more time to shop), and the fact that if the finances become an issue, homemakers may have to return to work. We wish you the best and hope that these tips are helpful.

1. Accountability – You must plan finances together with your spouse. This way, no one gets to play the ‘blame game’ when things go wrong. When both spouses work on finances on a weekly basis, overspending by either spouse will become apparent. You will also get the chance to congratulate each other on your successes. You are in this together. We all know that money is a huge cause for stress in relationships, and working together will help prevent years of financial stress. This may also help you both learn self-discipline and how to live on less. Remember the commercial where the guy owns everything and he says, “How did I do it? I am in debt up to my eyeballs!” Accountability helps you not be that guy.

2. Keep depositing money in your IRA – Even though you may not be earning an income. Women are poorer in retirement than men are because they earn less, live longer (79 compared to 72), take time out for child rearing without contributing to retirement accounts, and receive less in Social Security benefits because of the time-out for child rearing and lower earnings. This is statistically even more important for women in minority groups. To learn more about the financial challenges unique to women, see eFinplan.com Women and Financial Planning article.

3. Budgeting, Debt Reduction and Saving – Proper budgeting and debt reduction will help you meet your goals of being able to live on one income. Some women are naturals at budgeting, but if you are not one of them, a budget is simply a spending plan that helps you keep track of regular monthly expenses and savings for planned purchases and the future. If you have never created a budget, you may consider using software, an Excel spreadsheet, or simply paper and pencil. You will be spending a lot of time with it, so use whatever makes you comfortable. Put your debt reduction plan into your budget. For great information on reducing your debt, see our affiliate, Mary Hunt’s website Debt Proof Living.com.

4. Fifty Dollar Limit – Or any amount you both decide on together. This tip has saved us many unnecessary purchases because spouses must communicate about a purchase before spending over the limit. (This does not apply to the weekly bills like grocery or utilities.) At times, this rule may seem too restrictive, but we have found it to be a huge budget saver. It also helps to get a second opinion. Recently, I called my husband from the check out line about purchasing an item, and I was reminded that we already own one!

5. Understand marital financial mindsets – What happens when opposites attract? They get married, then begin to fight about money! Consider the following ways people view their finances: There are optimists, pessimists, spenders, savers, planners, procrastinators, and any combination of these. Perhaps his parents were well off financially and she was raised in poverty. On the other hand, perhaps her parents taught her sound financial principles and his parents kept their finances a secret, or worse, he has copied their example of bad financial habits. Open and honest communication about both of your mindsets may help you work through any pre-conceived views or bad financial habits. Remember that this must be done without finger pointing and with the goal of financial harmony. Perhaps reading a good book together about marriage and money would be helpful.

6. Houses and Cars – These are the biggest expenses for most marriage partners. Ideally, if you can plan to have your mortgage paid off before your first child goes to college, you will feel less stressed about paying tuition. Another great way to save money is to buy great low-maintenance cars and drive them for a long time. There is no freedom like driving a car that is ‘paid for’. Many experts recommend that you put the amount of your payment into savings after you have paid the car off to save for the next one. From personal experience, we also recommend planning for what kind of car you will need several years from now. In other words, do not buy a two-seater if you plan on having children in two years. Also, do not sell the minivan after middle school because the kids are not in sports anymore. You may need it to haul your child’s belongings to college.

7. Get Organized – Buy a file cabinet for financial and other important papers. This central location will allow you both to understand where anything important belongs. You can avoid many financial mistakes by keeping papers and bills well organized.

8. Understand your Health Insurance – Health insurance costs have risen for everyone. If you have employer-provided health insurance, take the extra time to understand your coverage, especially during enrollment time. Understanding your coverage may help you save a lot of money. Figure out which policy is best for your family. For instance, if you have a high monthly prescription expense you may research which plan pays the most for prescriptions. If your medical and/or dental expenses are very high, you may be able to deduct them (7.5) of your adjusted gross income. Keep track of your mileage to doctor appointments (20 cents per mile). See your tax advisor regarding your specific situation and see www.irs.gov, Publication 502.
9. Set long and short-term goals together – Creating goals together is a wonderful marital exercise. You will learn what each partner finds most important both now and in the future. Consider creating your eFinPLAN financial plan together. It is amazing how current wants can be dismissed when they are compared with the goals on a written plan.

10. Determine areas of overspending – Each month as you both check your budgeting progress, watch for recurring overspending in any categories. You will probably find one or two areas that go over each month. If you are within your overall budget, you may want to raise your budget amount in those areas or find ways to lower your spending. Many busy families find that eating out regularly exceeds their budgeted amount. This one requires extra self-discipline to plan ahead and create freezer meals that you can fix in a matter of minutes. Tired moms will hate this suggestion at first, but it really can save hundreds of dollars.

11. Do not let grocery shopping be a budget buster – A penny saved really is a penny earned when it comes to grocery shopping. For decades, women have come up with creative ways to save on groceries. I remember my mother-in-law saying that any money she saved from groceries went toward birthday and Christmas gifts. Somehow, through hard work she was able to feed three growing boys and still have money left over! My family preserved produce from a large garden and from local fruit growers. Others use coupons, shop for sales at multiple stores, or plan meals around sale items. All of these ways are wonderful – do whatever works for you. I recently read a huge stack of books from the library about saving money and discovered one recurring theme about grocery shopping. Most books recommended keeping a book of regular prices for each item you usually purchase. That way you can see if it is really a great sale price, or if they simply put it in the grocery flyer at the regular price. If that sounds like a lot of work to you, visit The Grocery Game. After entering your zip code and your local grocery store, you will be able to access a computerized list of best deals at your store that week. After only three weeks, we have saved about $200, and we have begun a stockpile of groceries in the pantry.

12. Judge the long-term benefit of purchases. Our children are teenagers, so we have had a chance to learn from our mistakes and wish we had done some things differently. One of our regrets is overspending on toys, and watching the toys be neglected, eventually ending up in a garage sale. Since we have begun paying for our oldest child’s college tuition, it is painful to think of how much money we could have put into a college savings account had we not purchased those toys. Another example of this is purchasing children’s furniture, which will have to be replaced as the child grows. An inexpensive bed rail can make an adult-sized bed usable from toddler age to adulthood.

Creative Wealth for Women is a woman’s only financial empowerment workshop. For more information, click here!

Many aspects of financial matters are unique for women and should be taken into consideration in any financial plan. If you are able to afford a financial planner, make sure that they are aware of the inequities women face and are making your financial plans accordingly. Do not be intimidated or afraid to ask questions. You may even take this article with you to make sure you are on the same page. If you are not able to afford a planner consider doing the planning yourself online with eFinPLAN.com.

Please help us get this information to as many women as possible by forwarding to the women you care about.

Laura D. Irwin is CFO and co-founder of eFinplan, LLC. She has a degree in Communication, but her life’s joy has been raising her two children. She can be reached at lirwin@eFinplan.com.

Kent E. Irwin is CEO and founder of eFinplan, LLC. He is also a Chartered Financial Consultant (ChFC), a Chartered Advisor in Philanthropy (CAP) and a Chartered Life Underwriter (CLU). He can be reached at kirwin@efinplan.com. For more information about eFinplan, visit eFinPLAN.com.

Copyright © 2008 eFinplan, LLC. All Rights Reserved. Used here by permission from the authors.

If someone sent you this article and you’d like to read more interesting tips, trick and philosophy on money and life, sign up today for Elisabeth’s FREE Weekly E-Zine, Financial Wisdom with a Twist and FREE monthly teleseminars at UltimateAllowanceBook.com.

Statistic Indicate Women are Poorer in Retirement

by | Mar 26, 2015 | Financial Education Articles for Women

Article Overview

Every woman knows that there are inequities between women and men when it comes to financial matters, but few know exactly what they are or how to overcome them. As we began researching women’s financial issues we were stunned at the scope of these inequities and offer this information in the hope that women will become aware of them and plan for their retirement accordingly.

1. Women earn less money – Every woman reading this has already experienced this inequity, but now you have the facts to back up your suspicions. Ten years after college women make only 69% of what their male peers earn even though they have slightly higher grade point averages than men do in every major (even math and science). Women who attended highly selective colleges earn the same as men who attended minimally selective colleges, which shows that they lack compensation for their scholastic performance. On average, full-time, year-round working women earn roughly 74% of what men earn.

What to do

Resourceful women have found ways to overcome this barrier including becoming business owners, budgeting with an emphasis on saving money, networking with other women (including online websites like womencorp.com), working harder and longer hours, getting higher education, extra part-time or home based jobs, making education about financial matters a priority, and countless other ways, include getting a financial plan.

2. Women’s Health Insurance May Cost More – High deductible health insurance plans cost women more. When an employer changes to a high-deductible plan, it costs on average $1000/year more for women than for men because of mammograms, the cervical-cancer vaccine, Pap tests, birth control, and pregnancy related services. Women also generally go to the doctor more regularly for preventative care.

What to do

While the inequity exists, women must make an extra effort to contribute the difference to a Health Savings Account or other savings. Medical expenses have risen dramatically the last several years so regardless of the kind of health insurance (or lack thereof), women must work toward having a contingency fund for medical and other emergencies.

3. Women May Take ‘Time-outs’ from work to care for children or aging parents which means less total earnings over time and less money automatically deposited into 401(k)’s. With the aging Baby Boomer population, many women will have taken time out to raise children and may need to take time out again to care for elderly parents. Caring for both ends of the age spectrum has historically fallen to women and shows that women are strong, loving, and selfless caregivers.

What to do

Being aware of how these ’time-outs’ can affect retirement can help women realize the urgency of continuing to contribute to a retirement account (or savings and investments) during times when they are not earning an income, and saving consistently while they are working.

4. Social Security Checks May be Lower because less money goes into Social Security accounts for women who earn less than men over their lifetimes, and for women who take ‘time-outs’ from earning an income.

What to do

Even if women make less money than men, being armed with the knowledge of how that may affect retirement should give women an extra incentive to contribute the most that they can into their retirement accounts, even if it means doing without some wants (not needs). Since no money counts towards Social Security during a ‘time-out’ it makes contributing to an IRA during these times even more critical.

5. Women Live Longer than Men – A longer lifespan requires more years living from retirement savings. The average lifespan for women is 79 compared to 72 for men. Therefore, women need to plan for at least seven more years of retirement. Living longer is a great problem to have; it just requires women to be aware of the need for more money in retirement as they create their financial plans.

What to do

If you are married make sure that you are putting as much in your account (or more) as your husband contributes to his. If you are single make sure that your retirement plans are geared toward a longer lifespan. Make sure that you have a financial plan.

6. Single Mothers are the Poorest in Retirement. Single mothers earn less than any other group (1/4 that of married couples with children and 3/5 that of single childless women).

What to do

With lower earnings and without the retirement benefits of a spouse, single mothers need to be especially savvy about finances in order to avoid poverty in retirement. Take every opportunity to educate yourself about your finances on everything from great budgeting habits to retirement planning. Get help from trusted advisors whenever possible. Also, many churches offer help and information for single parents such as free financial counseling, free oil changes, free school supplies, etc. eFinPLAN realizes that single parents really need a financial plan, that is why we offer 50% off.

7. Women May Make Less on their Investments because they invest more conservatively than men, which can sometimes prevent them from seeing the higher rates of return that men who take more risks may see. Women are legitimately more afraid to make any mistakes with their finances and prefer fixed/steady returns because making up for a mistake could take a lot longer for a woman who earns less than a man.

What to do

Seek help from trusted professionals and/or educate yourself about wise investing. If your company has a Human Resources department which oversees your 401(k) seek advise from them regarding your individual situation. Also, contribute the maximum amount to get matched contributions from your employer. In divorce situations, seek advise from your attorney to make sure that the investments will be divided evenly.

8. Women Are Not Well Represented in The Financial Planning Industry because it is dominated by males. Historically, very few women (or minorities for that matter) have gone into financial planning careers so women’s issues may have been unintentionally under-represented. Also, women have historically been more intimidated about financial issues and may also have deferred to their husbands regarding financial decisions leaving many questions unasked.

What to do

As a group, women need to become more educated about financial matters (including the inequities in retirement). The financial planning industry has begun to address the unique needs of women, but it will take some time for the industry as a whole to increase awareness. As with any other field, as women begin entering the financial planning industry women’s issues will begin to enter the forefront.

Creative Wealth for Women is a woman’s only financial empowerment workshop. For more information, click here!

Many aspects of financial matters are unique for women and should be taken into consideration in any financial plan. If you are able to afford a financial planner, make sure that they are aware of the inequities women face and are making your financial plans accordingly. Do not be intimidated or afraid to ask questions. You may even take this article with you to make sure you are on the same page. If you are not able to afford a planner consider doing the planning yourself online with eFinPLAN.com.

Please help us get this information to as many women as possible by forwarding to the women you care about.

Laura D. Irwin is CFO and co-founder of eFinplan, LLC. She has a degree in Communication, but her life’s joy has been raising her two children. She can be reached at lirwin@eFinplan.com.

Kent E. Irwin is CEO and founder of eFinplan, LLC. He is also a Chartered Financial Consultant (ChFC), a Chartered Advisor in Philanthropy (CAP) and a Chartered Life Underwriter (CLU). He can be reached at kirwin@efinplan.com. For more information about eFinplan, visit eFinPLAN.com.

Copyright © 2008 eFinplan, LLC. All Rights Reserved. Used here by permission from the authors.

If someone sent you this article and you’d like to read more interesting tips, trick and philosophy on money and life, sign up today for Elisabeth’s FREE Weekly E-Zine, Financial Wisdom with a Twist and FREE monthly teleseminars at UltimateAllowanceBook.com.