Thank You!  A special thanks to Birmingham City Schools Service Department for having us out to talk about Financial Wellness.  We spent the morning discussing how budgets, cash flow, and debt management form the foundation for financial success.

When we meet people, socially or professionally, the first question asked is usually about retirement, markets or investments, never about budgets.  I tell folks all the time, “We can only invest what you have”.  The foundation for any financial goal is learning to manage your cash flow.   Understanding where your money goes and how to find extra cash in your budget is the beginning of a plan and usually comes at a price.  As consumers, we often ignore the impacts of daily decisions on our long-term plans, but it is our day-in, day-out spending habits that have the greatest impact on our financial future.  Learning to manage our behavior is the first step down the road to financial security.