living well

WORK YOUR WORTH

photo shows a pair of hands holding a book and a pen and a picnic table

Financial wellbeing is rarely just about the numbers. But there are some areas where investors regularly miss opportunities.

Best of all? Some of them are free.

We’re talking about that collection of qualities that determine our human capital: the attributes, experiences, and habits that contribute to our ability to do our work and do it well.

Each of us has room for growth, and many of these qualities can be worked like a muscle. Generosity? Practice gratitude, and it will flow. Creativity? Get your internal censor a nice comfy chair in the corner of your brain so that you have the space to make something—then go for it.

Notice how we’re not talking about fighting your brain or your sense of self. We’ve known plenty of friends who flushed their energy trying to evict their weaknesses while their strengths—their true talent and potential—withered.

Even better, we don’t have to make these investments in huge, life-altering waves. Many of these qualities compound. Enthusiasm, punctuality, diligence: practice a few small actions and watch the habits improve each other!

Where can you invest in yourself? Your “earning power” is linked to a lot of domains. It’s not just your education or certifications. What areas of knowledge give you a unique perspective? What experiences have shaped you? These are parts of your financial journey that you can actively work on.

You’ll notice this investment is more about reflection than ‘rithmetic—but it’s work that can pay off in many ways. Your investments in yourself cannot be taken away, they adjust for inflation, and they help you lead a more interesting life to boot.

Clients, we’re glad to be part of the journey with you. Write or call when you’re ready to talk about this or anything else.

Make the Most of It

© Can Stock Photo / AntonioGuillem

All seven billion of us have the same job. Whether we are among the poorest or wealthiest, sickest or healthiest, a single task unites us: wake up every day and make the most of it.

Taking that one step farther, we each can increase our ability to do things, to be better, to be stronger. Beginning each day a little better, a little stronger than the day before, that helps us make the most of it.

I won’t pretend to know or prescribe what you should eat or drink, how you should live, whether to exercise, or give you health tips. My professional expertise is devoted strictly to striving to grow your buckets, for use in your real life.

When you entrust me to help you with your wealth, I owe you the effort to make the most of it. Wouldn’t it be better for you if my brain was a little bigger? After all, thinking is how I do my job. The Harvard Health Blog recently cited studies that show exercise boosts the size of parts of the brain involved in memory and learning.

So exercise may be helping me make the most of it, in ways that help you, too.
This is a win-win choice: I have other, selfish reasons for exercise that have nothing to do with you. But if Harvard is correct, you get an advisor with a bigger brain out of the deal.

This essay began with a focus on the day to day, making the most of it. Oddly, my longest-range goal brings me to the same choice about exercise. It will help me serve you until I am 92 years old.

This congruence between my fondest ambitions and my daily life is good for you, too. Win-win.

Clients, if you would like to talk about this or anything else, please email us or call.