Category: Numeric Financial Health

Nearer Thy Financial Numbers to Thee: January is the Best Month for Updating Your Understanding of What the Numbers in Your Financial Life Look Like

In a piece I wrote last week, I mentioned that lots of people have at best only a vague idea about what the numbers in their lives look like. I also added that this I-see-nothing approach to one’s financial life is, to say the least, not optimal, and then I […]

John Friedman Financial’s Statement of Fundamental Principals, Number One: Financial Health Defined

This is a long’ish piece — about 2,400 words. It might take you twenty minutes or more to read it. It might’ve taken me twenty years or more to think it. And it for-sure took me many, many hours to do my best to make it entertaining as well as […]

15-Year vs. 30-Year Mortgages (Part 2): Which is Better for You?

Quick! Which would you rather have: a 30-year mortgage at 4% or a 15-year mortgage at 3.25%? I thought I knew the answer — the 15, right? — until I recently spent a good deal of time what-if’ing the numbers. And what I found surprised me.

The Treasury’s Checkbook: Healthy or Not Healthy as We Peer Into the Debt Default Abyss?

Looking at a couple of statements from your day-to-day checking account, I tell new clients in our first working meeting, is like looking at the lab results your doctor orders when you have a physical. Staring out from those pieces of paper [pdf files] are a bunch of numbers that […]

Financial Planning Does Not Have to Be Investing-Centric

We start with this:         <>    Do you know what that means? If not, then please allow me to take you back to yesteryear, and to little-you sitting in your little chair in arithmetic class, so that I can re-introduce you to your dear old friends, […]

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