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Zach Santmier
Understanding Debt
As I broach this emotional topic, I want to begin by being clear. I am neither for nor against debt. Debt is amoral, meaning, it is not...
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Zach Santmier
Nov 242 min read
How to Trust Your Spouse Financially
If you’re married, it is time for you to get on the same page! It is one thing to budget and agree upon what you are spending. You guys...
Zach Santmier
Nov 173 min read
New “Zero” In Your Checking | Part 2
Last week, I introduced the concept of a New Zero in your checking account. This is a buffer of one month’s expenses that you keep in...
Zach Santmier
Oct 262 min read
New “Zero” In Your Checking | Part 1
Lauren and I had really been getting after our budget and for a couple months, it was balanced. We were spending less than or equal to...
Zach Santmier
Oct 192 min read
Increase Your Value. Increase Your Income.
Bottom line and top line. Did you know that these two “lines” determine your pay? Whether you realize it or not, your organization knows...
Zach Santmier
Oct 122 min read
How to Make More Money
The title of this column is “Increase.” Why? While I believe it’s important to make sure we aren’t bleeding cash, people’s financial...
Zach Santmier
Oct 52 min read
Cash
Today, we are diving into the third tool you can use to stop cash from bleeding out of your bank accounts. Life is expensive on its own....
Zach Santmier
Sep 282 min read
The Buddy System
If you’re just joining us, welcome! The past two weeks, I have been discussing what you and I can do if we feel like cash is just...
Zach Santmier
Sep 212 min read
The 24-Hour Pause
Last week, I suggested that most likely, your entire budget isn’t out of whack. There are probably one or two (maybe three) areas of your...
Zach Santmier
Sep 132 min read
All is Not Lost
The first year Lauren (my now wife) and I started dating, I decided I’d go from my home in Virginia to spend some time with her and her...
Zach Santmier
May 1, 20202 min read
Why You May Not Need Life Insurance (and how COVID-19 affects this)
Many of our clients have been asking the question: should I get life insurance with everything happening in the world?
Our response? Maybe
Zach Santmier
May 21, 20193 min read
Confidence is Key
Confidence can be found on a sliding scale between skills and self-belief. Quarterbacks have an inner confidence that is 50% skill-based...
Zach Santmier
May 14, 20192 min read
Don't Settle for Mediocrity
The 15 highest-paid players in the National Football League (NFL) are all quarterbacks. Why? Simply put, they control where the ball goes...
Zach Santmier
Jan 8, 20193 min read
3 Ways Your Money’s Working Against You (And how to Reverse it)
Money is a funny thing. It is what we work for every day and spend every night. It is simple paper, yet incredibly emotional and...
Zach Santmier
Jan 8, 20192 min read
5 Insurance Questions To Ask When Your Client is Buying a House
1) “How old is the roof and are there any shingles lifting up?” The roof is the first thing an insurance company will look at. Make sure...
Zach Santmier
Jan 8, 20192 min read
Insurance is a Necessary Evil... Only By Definition!
Insurance is a necessary evil. Sound enticing? By definition, insurance is taking a small financial loss now so in the future you won’t...
Zach Santmier
Jan 8, 20193 min read
What Are We Going To Get When We Get Where We’re Trying To Go?
Most likely, we will not stand on the world’s largest sports stage and hold up the Super Bowl trophy for the fifth time like Tom Brady....
Zach Santmier
Jan 8, 20193 min read
"Consider it Done": How Smart Refrigerators Have Changed Our Clients (and us) Forever
Clients come to us with a lot on their plates. Oftentimes, we in the service industry get to experience the brunt of their stress. We...
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