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The Next Generation
Complete text of a twelve-step email drip campaign waged in June & July of 2025 about helping the next generation of households thrive. |
Introduction - May 31, 2025
Hi,
On April 23 I may have sent a somewhat lengthy email about family, requesting referrals to family members. Upon reflection, I am thinking that perhaps it was too long, and the "ask" was too big and difficult to fill.
I awoke early this morning and just sat for 40 minutes staring off into the horizon as I enjoyed my morning coffee, wondering to myself what is next. What is the most important thing I should be doing right now? I'm at Inbox Zero, and I'm all caught up on my work.
How often does that happen to you? For me, it's once or twice a year. The rest of the time, I'm grinding.
In this rare and infrequent moment, the three words "The Next Generation" came to mind. In August I will be a grandfather, and many of my current and former clients have adult children. The parents know what I do, how helpful I can be, but the kids don't; and I think they need my help. I know that, with a proper introduction, I could help.
For younger people, the challenges ahead are daunting. An uncertain future and economy. The wage-housing gap. All sorts of turbulence. An overwhelming myriad of choices. No guarantees.
Wouldn't it be nice for them if they had a crystal clear view of their future, written down? Wouldn't it be nice for them to have their finances in order, with a current budget and coherent financial records? If they aspire to go into business for themselves, wouldn't it be nice if they were well organized and on top of things?
We all know that, as challenging as it can be to get, income or revenue isn't enough. We all know that people who believe that it is fall into the "More Money, More Problems" trap. The key is good management, from end-to-end: how money is earned, how it's curated, how it's spent, how it's invested. It all matters.
Today is May 31. We're now in the wedding season, and I am sure you know someone, or you know someone who knows someone, who is getting married. Those kids' odds of success in marriage will be much greater if their finances are under control and they're on the same page with each other. We all know this. I'm in a position to help with that so please, if you know people who are getting married this season, please introduce us.
So my closing request is this: please think about the next generation, those you know who would benefit from my help. Remember that I offer a complementary Lifetime Savings Plan, I help people put budgets together designed to achieve the plan, and track them. I also help businesses with all kinds of things, and I do annual investment research to help ensure that people enjoy a good return on their investments and meet the expectations stipulated in their plans.
Aren't there some family members you know who could use this kind of help? If so, please introduce us.
Thank you.
Hi,
On April 23 I may have sent a somewhat lengthy email about family, requesting referrals to family members. Upon reflection, I am thinking that perhaps it was too long, and the "ask" was too big and difficult to fill.
I awoke early this morning and just sat for 40 minutes staring off into the horizon as I enjoyed my morning coffee, wondering to myself what is next. What is the most important thing I should be doing right now? I'm at Inbox Zero, and I'm all caught up on my work.
How often does that happen to you? For me, it's once or twice a year. The rest of the time, I'm grinding.
In this rare and infrequent moment, the three words "The Next Generation" came to mind. In August I will be a grandfather, and many of my current and former clients have adult children. The parents know what I do, how helpful I can be, but the kids don't; and I think they need my help. I know that, with a proper introduction, I could help.
For younger people, the challenges ahead are daunting. An uncertain future and economy. The wage-housing gap. All sorts of turbulence. An overwhelming myriad of choices. No guarantees.
Wouldn't it be nice for them if they had a crystal clear view of their future, written down? Wouldn't it be nice for them to have their finances in order, with a current budget and coherent financial records? If they aspire to go into business for themselves, wouldn't it be nice if they were well organized and on top of things?
We all know that, as challenging as it can be to get, income or revenue isn't enough. We all know that people who believe that it is fall into the "More Money, More Problems" trap. The key is good management, from end-to-end: how money is earned, how it's curated, how it's spent, how it's invested. It all matters.
Today is May 31. We're now in the wedding season, and I am sure you know someone, or you know someone who knows someone, who is getting married. Those kids' odds of success in marriage will be much greater if their finances are under control and they're on the same page with each other. We all know this. I'm in a position to help with that so please, if you know people who are getting married this season, please introduce us.
So my closing request is this: please think about the next generation, those you know who would benefit from my help. Remember that I offer a complementary Lifetime Savings Plan, I help people put budgets together designed to achieve the plan, and track them. I also help businesses with all kinds of things, and I do annual investment research to help ensure that people enjoy a good return on their investments and meet the expectations stipulated in their plans.
Aren't there some family members you know who could use this kind of help? If so, please introduce us.
Thank you.
Follow up #1: Long Term Plan - June 5, 2025
Hi,
Kris Freeberg here, following up on my request for introductions to family members.
If you were to make such an introduction, the first thing I would do is offer them a complimentary Lifetime Savings Plan, a year-by-year saving and spending plan that I typically forecast out to age 100, and addressing twenty-two significant life goals that you can see here.
In all humility, I do believe it is the best planning method in the world, and I offer it absolutely free of charge.
Please check it out, and thanks for your attention!
Hi,
Kris Freeberg here, following up on my request for introductions to family members.
If you were to make such an introduction, the first thing I would do is offer them a complimentary Lifetime Savings Plan, a year-by-year saving and spending plan that I typically forecast out to age 100, and addressing twenty-two significant life goals that you can see here.
In all humility, I do believe it is the best planning method in the world, and I offer it absolutely free of charge.
Please check it out, and thanks for your attention!
Follow Up #2: Budgets - June 11, 2025
Hi,
Kris Freeberg here, Economist at Making End$ Meet, following up on my request for family introductions.
In my last email, I explained how if you were to make such an introduction, my first step would be to offer a complimentary Lifetime Savings Plan, which covers up to 22 significant life goals through age 100.
The second step would be to build a budget designed to support the plan by determining the income, expenses, and surpluses necessary to make the deposits listed in the plan. I write budgets month by month to foresee and manage irregular expenses, typically three years out, and post them in an accounting system for regular tracking.
(You know, a funny thing happened recently. I experimented with Artificial Intelligence (AI) building such a budget. I expected it to generate some kind of spreadsheet template on the spot, but its answer was that it expected me to be able to program in Python, a programming language understood only by professional programmers. So, the kinds of budgets I write are too difficult for AI to generate easily!)
For more info about my approach toward budgeting, I invite you to peruse this page and, while you're at the site, feel free to explore the extensive navigation menu, which I've spent the past 25 years building, all to help you and yours prosper!
Thanks for your attention and consideration! In the next email, I'll discuss accounting.
Hi,
Kris Freeberg here, Economist at Making End$ Meet, following up on my request for family introductions.
In my last email, I explained how if you were to make such an introduction, my first step would be to offer a complimentary Lifetime Savings Plan, which covers up to 22 significant life goals through age 100.
The second step would be to build a budget designed to support the plan by determining the income, expenses, and surpluses necessary to make the deposits listed in the plan. I write budgets month by month to foresee and manage irregular expenses, typically three years out, and post them in an accounting system for regular tracking.
(You know, a funny thing happened recently. I experimented with Artificial Intelligence (AI) building such a budget. I expected it to generate some kind of spreadsheet template on the spot, but its answer was that it expected me to be able to program in Python, a programming language understood only by professional programmers. So, the kinds of budgets I write are too difficult for AI to generate easily!)
For more info about my approach toward budgeting, I invite you to peruse this page and, while you're at the site, feel free to explore the extensive navigation menu, which I've spent the past 25 years building, all to help you and yours prosper!
Thanks for your attention and consideration! In the next email, I'll discuss accounting.
Follow Up #3: Accounting - June 14, 2025
Hi,
Last time I discussed budgeting, the second step in the process that I offer.
The third step, once the budget is completed (typically three years out, takes about a month to finish if we work together weekly), I build an accounting system to track it & teach people how to use it. Favorite applications have typically been Intuit products, although I am platform agnostic.
Personally, I track all my stuff on QuickBooks Desktop Pro 2017. I've been using QuickBooks Desktop since 2000; before then I used an obscure DOS based program called Pacioli 2000 which is now defunct. I do a lot of work in QuickBooks Online (QBO) which makes sense if your situation is at all stratified and appropriate for cloud computing.
I'll also share a mobile accounting hack that has been a game changer for me and that I've been using happily for the past several years: an inexpensive phone app called Volkron. That's where I track day to day cash, then once in a while I'll export it to a spreadsheet and use that spreadsheet as my worksheet for final accounting in QuickBooks. I like that it isn't cloud hosted & dependent on a WiFi connection. It just lives on my phone, I paid $2.50 for it a long time ago, and it works as slick as a whistle.
You can also sync online accounting with your bank and conveniently import transactions. However I dislike renting software, and have found that the Volkron method is not as time consuming as you would suppose, and a little stroll down memory lane once in a while reviewing transactions can be quite helpful.
Having good accounting records has more advantages than I can list, including budget tracking, painless tax time, memory aid, facilitates planning, and it's just an all around wise thing to do.
I hope you'll introduce me to family and friends who would enjoy such advantages. Thanks for considering!
Hi,
Last time I discussed budgeting, the second step in the process that I offer.
The third step, once the budget is completed (typically three years out, takes about a month to finish if we work together weekly), I build an accounting system to track it & teach people how to use it. Favorite applications have typically been Intuit products, although I am platform agnostic.
Personally, I track all my stuff on QuickBooks Desktop Pro 2017. I've been using QuickBooks Desktop since 2000; before then I used an obscure DOS based program called Pacioli 2000 which is now defunct. I do a lot of work in QuickBooks Online (QBO) which makes sense if your situation is at all stratified and appropriate for cloud computing.
I'll also share a mobile accounting hack that has been a game changer for me and that I've been using happily for the past several years: an inexpensive phone app called Volkron. That's where I track day to day cash, then once in a while I'll export it to a spreadsheet and use that spreadsheet as my worksheet for final accounting in QuickBooks. I like that it isn't cloud hosted & dependent on a WiFi connection. It just lives on my phone, I paid $2.50 for it a long time ago, and it works as slick as a whistle.
You can also sync online accounting with your bank and conveniently import transactions. However I dislike renting software, and have found that the Volkron method is not as time consuming as you would suppose, and a little stroll down memory lane once in a while reviewing transactions can be quite helpful.
Having good accounting records has more advantages than I can list, including budget tracking, painless tax time, memory aid, facilitates planning, and it's just an all around wise thing to do.
I hope you'll introduce me to family and friends who would enjoy such advantages. Thanks for considering!
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Follow Up #4: Discipline - June 20, 2025
Hi, Last time I discussed the third step in my process, setting up Accounting to track Budgets that support the Lifetime Savings Plan, and teaching people how to use it. Getting to this point typically takes 2-3 months of work. Thereafter, with these pieces in place, we're in a position to follow a discipline of reviews and revisions, in which we run budget versus actual reports, and respond appropriately to the variance. Sometimes income may be inadequate, so we work on improving it. Other times expenses may be out of control, so we work on reining them in. The whole point is to generate a surplus that can be saved for the future, for the goals on the long term plan. You might be wondering what all of this costs. I have a variety of ways of answering that question. I try not to charge by the hour since I've found that hourly billing doesn't encourage efficiency and discourages people from seeking help when they need it the most. One compensation model is what I think of as a deferred compensation program for myself, paced over a 3-5 year term, and the monthly costs are typically what people spend on coffee and a couple of restaurant dinners. No big deal. (For more details, click the button in the right margin.) I am a fiduciary, and my first concern is my clients' well being and interests. I figure if I take care of those, the money will come; and it does. That's all for now; thanks for considering those family introductions, and for your time and attention! Next time, I'll discuss investing that surplus! |
Follow Up #5: Saving & Investing - June 25, 2025
Hi,
So far we've discussed the complementary Lifetime Savings Plan, building a Budget, setting up Accounting to track it, and a regular discipline of Reviews & Revisions.
Once all that's done, the whole point is to generate a surplus for saving and investing. To support that, I do annual mutual fund research in which I skim the cream off the mutual fund market (using Morningstar's research) every spring, working off Q1 data. I've been doing this since 1996; and once a fund makes the cut, or qualifies to be on my report, I follow it up. Here are my 2025 findings.
Since I'm not licensed to sell securities (nor do I want to be), that is as far as I can go. I research the best, and share my findings. I can't recommend or sell individual investments, but I can identify the best and share what I know, which I do freely.
With such info in hand, one can then proceed to make informed decisions about what is best; the whole goal being, to optimize return on investment (ROI).
Long term (10 year) ROI from my 2025 research was as high as 29.7%, so I hope you'll have a look, and share with family and friends.
Thanks for your time, attention, and consideration!
Hi,
So far we've discussed the complementary Lifetime Savings Plan, building a Budget, setting up Accounting to track it, and a regular discipline of Reviews & Revisions.
Once all that's done, the whole point is to generate a surplus for saving and investing. To support that, I do annual mutual fund research in which I skim the cream off the mutual fund market (using Morningstar's research) every spring, working off Q1 data. I've been doing this since 1996; and once a fund makes the cut, or qualifies to be on my report, I follow it up. Here are my 2025 findings.
Since I'm not licensed to sell securities (nor do I want to be), that is as far as I can go. I research the best, and share my findings. I can't recommend or sell individual investments, but I can identify the best and share what I know, which I do freely.
With such info in hand, one can then proceed to make informed decisions about what is best; the whole goal being, to optimize return on investment (ROI).
Long term (10 year) ROI from my 2025 research was as high as 29.7%, so I hope you'll have a look, and share with family and friends.
Thanks for your time, attention, and consideration!
Follow Up #6: Time Management - June 30, 2025
Hi,
So far we've discussed the Lifetime Savings Plan, having a Budget, tracking it with good Accounting, a regular discipline of Reviews and Revisions, and Saving & Investing.
Next, I'd like to discuss something that is near and dear to my heart: Time Management.
Some say time is MORE valuable than money, yet we routinely squander it.
Ten years ago, I decided to be honest with myself about how I was spending my time. Since then, I've been tracking my time as if it were money in a database. From this exercise I have learned all kinds of helpful things like how long it takes to recover from cancer, average hourly revenue per client, and much more. It has been a tremendous memory aid, and it has helped me stop repeating mistakes, and leverage wins.
I used to call it Whole Day Time Keeping (WDTK) - that is, all 16 waking hours, 365 days per year. That's 5,840 annual waking hours. Bearing in mind that a customary full time work year is 2,000, that leaves 3,840 or 66%! So much potential normally ignored by conventional, strictly work-oriented time keeping tools and techniques!
Now I call it Existential Time Keeping (ETK).
Some have accused me of being OCD in this practice, but I say it's just professional (and honest), and anyone who doesn't do it is missing out.
If you're passionate about time management - if you agree with me and many others that time is actually MORE valuable than money, and that the gold is in the 66% that is usually ignored - then I invite you to visit this page and reach out, both for yourself, and for the benefit of those who are near and dear.
Until next time, thanks for your time, attention, and consideration! I hope this helps!
Hi,
So far we've discussed the Lifetime Savings Plan, having a Budget, tracking it with good Accounting, a regular discipline of Reviews and Revisions, and Saving & Investing.
Next, I'd like to discuss something that is near and dear to my heart: Time Management.
Some say time is MORE valuable than money, yet we routinely squander it.
Ten years ago, I decided to be honest with myself about how I was spending my time. Since then, I've been tracking my time as if it were money in a database. From this exercise I have learned all kinds of helpful things like how long it takes to recover from cancer, average hourly revenue per client, and much more. It has been a tremendous memory aid, and it has helped me stop repeating mistakes, and leverage wins.
I used to call it Whole Day Time Keeping (WDTK) - that is, all 16 waking hours, 365 days per year. That's 5,840 annual waking hours. Bearing in mind that a customary full time work year is 2,000, that leaves 3,840 or 66%! So much potential normally ignored by conventional, strictly work-oriented time keeping tools and techniques!
Now I call it Existential Time Keeping (ETK).
Some have accused me of being OCD in this practice, but I say it's just professional (and honest), and anyone who doesn't do it is missing out.
If you're passionate about time management - if you agree with me and many others that time is actually MORE valuable than money, and that the gold is in the 66% that is usually ignored - then I invite you to visit this page and reach out, both for yourself, and for the benefit of those who are near and dear.
Until next time, thanks for your time, attention, and consideration! I hope this helps!
Follow Up #7: Improving Income - July 5, 2025
Hi,
So far we've discussed the Lifetime Savings Plan, Budgeting, Accounting, Reviews & Revisions, Investing, and Time Management.
This time I'm zeroing in on Improving Income, which is a huge topic. Usually an outcome of the Lifetime Savings Plan is, people find they need to improve their incomes.
Now, more money by itself is not a solution. If you don't have good budgets and accounting in place, and the regular discipline of reviewing and revising to keep everything fresh and current, more income by itself can merely result in a "More Money, More Problems" situation, a vicious cycle. I'm sure you've seen, and perhaps experienced this.
Be that as it may, there is such a thing as Inadequate Income. If one's income is truly inadequate, then it's time to get busy. How?
Well, first of all, look at that time management. If there are 5,840 waking hours in a year, and 2,000 is a conventional full time work year (50 40 hour weeks), that is only a third of available time. How are you spending your non-work, or leisure time? That is a huge reserve of time that is available to make a push that could make the difference between Inadequate and Adequate. Maybe it's R&D, learning a new skill, sharpening that saw. Maybe it's a temporary side gig to pay off those debts. The possibilities are endless.
Another way is, maybe you already own a business but could run it better. This is a HUGE field. What does "better" mean? Here are a few possibilities I've seen:
The list goes on and on.
If you or yours could use help with any of this, especially improving income, please give me a shout or encourage them to do so.
Thanks for your time, attention, and consideration!
Hi,
So far we've discussed the Lifetime Savings Plan, Budgeting, Accounting, Reviews & Revisions, Investing, and Time Management.
This time I'm zeroing in on Improving Income, which is a huge topic. Usually an outcome of the Lifetime Savings Plan is, people find they need to improve their incomes.
Now, more money by itself is not a solution. If you don't have good budgets and accounting in place, and the regular discipline of reviewing and revising to keep everything fresh and current, more income by itself can merely result in a "More Money, More Problems" situation, a vicious cycle. I'm sure you've seen, and perhaps experienced this.
Be that as it may, there is such a thing as Inadequate Income. If one's income is truly inadequate, then it's time to get busy. How?
Well, first of all, look at that time management. If there are 5,840 waking hours in a year, and 2,000 is a conventional full time work year (50 40 hour weeks), that is only a third of available time. How are you spending your non-work, or leisure time? That is a huge reserve of time that is available to make a push that could make the difference between Inadequate and Adequate. Maybe it's R&D, learning a new skill, sharpening that saw. Maybe it's a temporary side gig to pay off those debts. The possibilities are endless.
Another way is, maybe you already own a business but could run it better. This is a HUGE field. What does "better" mean? Here are a few possibilities I've seen:
- Better pricing
- Better planning
- Better budgeting
- Better accounting
- Better prospecting
- Better collecting
- Better follow up, follow back, and follow through
- Better hiring
- Better training
- Better inspections
- Better supervision
- Better time management at work
- Better marketing
- Better organization
The list goes on and on.
If you or yours could use help with any of this, especially improving income, please give me a shout or encourage them to do so.
Thanks for your time, attention, and consideration!
Follow Up #7.5 - Pivoting in Crisis - July 11, 2025
Hi,
Last time I discussed Improving Income, and the discussion would be incomplete without addressing the occasional need to pivot, that is, totally re-invent one's self, hit the Reset Button so to speak.
For example many public sector employees and private businesses dependent on government grants are having to do precisely that right now. The situation is requiring them to develop muscles that they've never had to flex before.
In February of 2025 I took the situation to heart; it caused me to reflect both on my own experience, and my parents'. I put together this web page about it, which I hope you'll visit and share with anyone who needs to see it. They had to pivot hard from public sector education to private sector business. It was a very difficult transition for them, but they did it, and I continued to build on their lessons, resulting in what Making End$ Meet is today.
As ever, thanks for your time, attention, and consideration! I'm at your service, please reach out!
(PS - Part of pivoting might include re-distributing workload, delegating some of it to foreign or domestic Virtual Assistants. I have fresh experience with that, that I'm sharing on this new web page. Please check it out!)
Hi,
Last time I discussed Improving Income, and the discussion would be incomplete without addressing the occasional need to pivot, that is, totally re-invent one's self, hit the Reset Button so to speak.
For example many public sector employees and private businesses dependent on government grants are having to do precisely that right now. The situation is requiring them to develop muscles that they've never had to flex before.
In February of 2025 I took the situation to heart; it caused me to reflect both on my own experience, and my parents'. I put together this web page about it, which I hope you'll visit and share with anyone who needs to see it. They had to pivot hard from public sector education to private sector business. It was a very difficult transition for them, but they did it, and I continued to build on their lessons, resulting in what Making End$ Meet is today.
As ever, thanks for your time, attention, and consideration! I'm at your service, please reach out!
(PS - Part of pivoting might include re-distributing workload, delegating some of it to foreign or domestic Virtual Assistants. I have fresh experience with that, that I'm sharing on this new web page. Please check it out!)
Follow Up #8: Exit Strategies - July 15, 2025
Hi,
Thanks for following along in this series of emails about the Next Generation. In this eighth installment, I'll mention Exit Strategies. As I compose this series, I'm helping one client wrap up the sale of his business that has been his life's work.
You know, most small businesses try and fail to sell for all kinds of reasons including an exaggerated opinion of its worth, poor organization and planning, procrastination and denial, etc. But in this case, the transaction is a success; and I know that one reason it has been successful is because the seller had ready answers to the buyer's questions.
Why? He had me in his corner to provide those answers.
If a prospective buyer asks questions, and you don't have ready answers, they will move on. In this case they stayed, and signed on the dotted line. So, yay! Success! This win is a big part of his overall retirement strategy.
There's a lot of work that goes into making a business saleable, or turn-key. Systems and organization are huge. Books have been written about it.
All I can say is, it's incredibly important, and preparing for that big day is a long term vigil that I help keep.
If you or anyone you know feels the need for a coherent exit strategy, please reach out!
Until then, thanks for your time, attention, and consideration!
Hi,
Thanks for following along in this series of emails about the Next Generation. In this eighth installment, I'll mention Exit Strategies. As I compose this series, I'm helping one client wrap up the sale of his business that has been his life's work.
You know, most small businesses try and fail to sell for all kinds of reasons including an exaggerated opinion of its worth, poor organization and planning, procrastination and denial, etc. But in this case, the transaction is a success; and I know that one reason it has been successful is because the seller had ready answers to the buyer's questions.
Why? He had me in his corner to provide those answers.
If a prospective buyer asks questions, and you don't have ready answers, they will move on. In this case they stayed, and signed on the dotted line. So, yay! Success! This win is a big part of his overall retirement strategy.
There's a lot of work that goes into making a business saleable, or turn-key. Systems and organization are huge. Books have been written about it.
All I can say is, it's incredibly important, and preparing for that big day is a long term vigil that I help keep.
If you or anyone you know feels the need for a coherent exit strategy, please reach out!
Until then, thanks for your time, attention, and consideration!
Follow Up #9: Family Offices - July 20, 2025
Hi,
Wealth is the natural consequence of all that I've shared before, from the first edition of the Lifetime Savings Plan to a well done Exit Strategy. If a family washes, rinses, and repeats this process enough, the whole extended family can become fabulously wealthy . . . which presents a new challenge: stewardship.
The solution to this challenge is to form a Family Office. This is a private organization, you might think of it as a company, that manages the entire family's various assets and interests. It's a full time job, and a team effort.
While a lot of us think of wealth as real estate and cash or cash equivalents, most of an ultra wealthy family's assets are in the form of business equity, which must be very attentively managed. This is what family offices do.
Those who choose to form Family Offices are extremely far-sighted. They think many generations into the future. A couple of my favorite books on the subject are James E. Hughes' Family Wealth, and Niall Ferguson's The World's Banker: The History of the House of Rothschild.
If you or anyone you would feel comfortable introducing are anywhere near the point of beginning to contemplate this stage of growth and development, please contact me. I'm sure there are ways I could help.
As ever, thank you for your time, attention, and consideration!
Hi,
Wealth is the natural consequence of all that I've shared before, from the first edition of the Lifetime Savings Plan to a well done Exit Strategy. If a family washes, rinses, and repeats this process enough, the whole extended family can become fabulously wealthy . . . which presents a new challenge: stewardship.
The solution to this challenge is to form a Family Office. This is a private organization, you might think of it as a company, that manages the entire family's various assets and interests. It's a full time job, and a team effort.
While a lot of us think of wealth as real estate and cash or cash equivalents, most of an ultra wealthy family's assets are in the form of business equity, which must be very attentively managed. This is what family offices do.
Those who choose to form Family Offices are extremely far-sighted. They think many generations into the future. A couple of my favorite books on the subject are James E. Hughes' Family Wealth, and Niall Ferguson's The World's Banker: The History of the House of Rothschild.
If you or anyone you would feel comfortable introducing are anywhere near the point of beginning to contemplate this stage of growth and development, please contact me. I'm sure there are ways I could help.
As ever, thank you for your time, attention, and consideration!
Follow Up #10: Life Long Learning - July 25, 2025
Hi,
This tenth installment on The Next Generation is the final one; and if you've stuck with me this far, thank you! I hope the whole series has been helpful and informative!
In the mid 1990s, when I first decided to develop my Economics practice Making End$ Meet, I spent a lot of time in the local public library. I checked out every book they had on Personal Finance - a stack of books about four feet tall - and read them all. I kept studying until I felt like I had heard it all before. In one way or another, everything I've shared in the previous nine installments has been an outcome or a distillation of that study as well as all that followed it.
If you would like to know more about all the books I've read to get to this point, my favorites are listed on this web page. Each link leads to an in-depth book review. I compiled it over the course of many years. It represents countless hours of study, and I'm sharing it with you now as a gesture of gratitude and goodwill.
If it seem like a long read, just please remember: writing it took a lot longer than reading it does - like, 10X or 20X!
I hope you'll use it in good health, and benefit from it. Of course, choosing to engage my services saves people all of the time that it took to put all of this together and synthesize it into a coherent practice. So, peruse it as much as you like; and when you hit that point of overwhelm, when you know it's valuable knowledge but you just don't have the time or attention span to absorb it all, please contact me! I can help!
Thanks once again for your time and attention, and please accept my best wishes in all things!
Hi,
This tenth installment on The Next Generation is the final one; and if you've stuck with me this far, thank you! I hope the whole series has been helpful and informative!
In the mid 1990s, when I first decided to develop my Economics practice Making End$ Meet, I spent a lot of time in the local public library. I checked out every book they had on Personal Finance - a stack of books about four feet tall - and read them all. I kept studying until I felt like I had heard it all before. In one way or another, everything I've shared in the previous nine installments has been an outcome or a distillation of that study as well as all that followed it.
If you would like to know more about all the books I've read to get to this point, my favorites are listed on this web page. Each link leads to an in-depth book review. I compiled it over the course of many years. It represents countless hours of study, and I'm sharing it with you now as a gesture of gratitude and goodwill.
If it seem like a long read, just please remember: writing it took a lot longer than reading it does - like, 10X or 20X!
I hope you'll use it in good health, and benefit from it. Of course, choosing to engage my services saves people all of the time that it took to put all of this together and synthesize it into a coherent practice. So, peruse it as much as you like; and when you hit that point of overwhelm, when you know it's valuable knowledge but you just don't have the time or attention span to absorb it all, please contact me! I can help!
Thanks once again for your time and attention, and please accept my best wishes in all things!
Follow Up #11: Recap - July 30, 2025
Hi,
Here's a brief recap of the subjects I've addressed over the past sixty days:
For your convenience, to save digging through a bunch of emails, I've put it all together on this web page. Vital stuff, right? Feel free to bookmark and share!
I hope you've found it helpful; and, as ever, thanks in advance for any introductions to people you care about who could use some help in these areas.
Hi,
Here's a brief recap of the subjects I've addressed over the past sixty days:
- Long term planning
- Budgeting
- Accounting
- Discipline - reviews & revisions
- Saving & Investing
- Time management
- Improving income
- Pivoting in crisis
- Exit strategies
- Family offices, and
- Life long learning.
For your convenience, to save digging through a bunch of emails, I've put it all together on this web page. Vital stuff, right? Feel free to bookmark and share!
I hope you've found it helpful; and, as ever, thanks in advance for any introductions to people you care about who could use some help in these areas.
