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Personal finance

Take control of your finances and learn about budgeting, saving, investing, and managing debt. Whether you're planning for retirement, saving for a major purchase, or simply looking to improve your financial habits, our contributors offer valuable insights to help you make informed decisions and reach your financial goals.

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Why Democracy is Personal and Seven Habits to Save It

Democracy is often discussed as if it lives somewhere far away from ordinary life, in parliaments, courtrooms, and election campaigns. But long before democracy is defended in public institutions, it is either...

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Why Becoming Of A Wolf by Zack Murphy Belongs in the Conversation About Financial Literacy

There is a question millions of people can relate to, “I work hard, earn money, but I still don't know how to make my money grow.” That question represents a much larger problem than simply not...

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Big Brokerage or Boutique? The Real Question is Who's Actually Representing You

A beautiful office does not negotiate for you. A famous logo does not answer your phone at 9 p.m. when a multimillion-dollar transaction begins falling apart. Having hundreds or thousands of agents...

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Generational Wealth Starts With a Decision

Most people believe generational wealth begins when someone becomes wealthy. It doesn't. Generational wealth begins much earlier. It begins with a decision. A decision to stop surviving and start...

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What the American Dream Looks Like in 2026

For generations, the American Dream ran on a simple formula: work hard, buy a home, save a little, and retire comfortably. In 2026, millions of families are following that formula to the letter and still...

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What 25 Years and Three Market Cycles Taught Me About Sonoma County Real Estate

Every week, someone asks me a version of the same question. Is now a good time to buy? Is now a good time to sell? Should I wait? It is one of the most searched real estate questions in the country...

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People Don't Buy Houses, They Buy Saturday Mornings

Last week, I found myself standing outside a small coffee shop in Sauble Beach, Ontario, with a camera in my hand. A few hours later, I was filming inside a clothing boutique, then a local gift shop. Someone walking...

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Why Skipping an Estate Plan Could Cost Your Family Twice

Most people assume that not having an estate plan simply means their family will “figure it out” when the time comes. But as an estate planning attorney, I can tell you the hard truth: doing nothing...

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Save Thousands Each Year By Adopting Climate Solutions

Forget climate solutions as sacrifices, like something you must do, whatever the cost. After giving hundreds of presentations on this topic, I’ve learned that an opportunity awaits you: the same choices that...

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The 3 Wealth Traps Keeping Women in Insurance Stuck

The insurance industry changed my life. Like many women, I entered this profession searching for something more than a paycheck. I wanted freedom. I wanted ownership. I wanted the ability to...

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Why Every High-Achieving Professional Needs an Estate Plan, Not Just a Will

You have worked hard, built a career, grown a business, and created a life worth protecting, yet many high-achieving professionals have done almost nothing to protect what they’ve built once...

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How to Get from the Basement to the Penthouse – Part 4

In this last part of the series, the focus shifts to the “penthouse,” a place of inner alignment where limiting beliefs are challenged, self-sabotage begins to fade, and success feels less like struggle and more like...

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How to Get from the Basement to the Penthouse – Part 3

In the journey of transformation, effort alone isn’t enough. As you begin to align your thoughts, emotions, and beliefs with your desired future, visualization becomes a game-changer. In this third part of..

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How to Get from the Basement to the Penthouse – Part 2

In this second part of the series, moving from the basement to the penthouse is more than just a climb, it's a shift in mindset. On the first floor, you begin taking responsibility for your choices, habits...

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How to Get from the Basement to the Penthouse – Part 1

“You can’t reach the penthouse if your mind is still living in the basement.” Most people don’t realize they’re living in the basement because the basement feels normal. It feels like stress. It feels like exhaustion.

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Why Annuities Should Be a Key Part of Your Retirement Strategy

As you approach retirement, the focus shifts from accumulating wealth to securing it. With fewer employers offering traditional pensions, the responsibility for generating a reliable, lifelong income falls entirely on...

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