You should spend money now without guilt

Not all of it, of course. But money is only a means to an end. In order to make the most of your life at every age, you need to spend the money that you earn.

Your time is more valuable than money

You see your kids growing up fast. Using your money to gain control of your time is the most powerful way to take full advantage of life's fleeting moments.

Retirement accounts are overrated

Saving money for your much older self is important. However, you also need to invest in more flexible accounts that you can access throughout your life.

Higher income does not require increased complexity

A larger savings account balance feels great, but also daunting. What else should you be doing? What else are you missing? The most important next steps are often simple to execute.