by Ralph Bender, MBA, CFP® | Credit Management, Financial Plan, Videos
“Honestly, I’m not spending any more than I make, but there’s nothing left for savings.” “Let’s take a look at where your money goes, starting with the credit cards.” “I’m never late. I’ve got them set to take the minimum payment right out of my checking account!” “uh...
by Ralph Bender, MBA, CFP® | Credit Management, Enduring Principles, Financial Plan, Motivation, Running Money ®
“Honestly, I’m not spending any more than I make, but there’s nothing left for savings.” “Let’s take a look at where your money goes, starting with the credit cards.” “I’m never late. I’ve got them set to take the minimum payment right out of my checking account!” “uh...
by Ralph Bender, MBA, CFP® | Business, Enduring Principles, Financial Plan, Retirement, Running Money ®
There must be good reasons why nearly half of American workers don’t contribute to their employers’ 401k plan. Here’s five of them: Reason #1 “I’ve got bills to pay.” Yep. Bills to pay is a good reason. Except for the fact that there will always be bills to pay. “I...
by Ralph Bender, MBA, CFP® | Financial Plan, Retirement, Videos
What’s in a name? Mine is simple, one syllable, “Ralph”. It supposedly means wolf or hero. In my line of work I’d prefer hero, because the way I work is nothing at all like the “Wolf of Wall Street.” Call me the hero of main street. Our clients know they need...
by Ralph Bender, MBA, CFP® | Business, Client Stories, Financial Plan, Self Employed, Videos
“It’s perfect, Nate! I love it. Can we buy it, can we buy it, can we buy it?” Not the kind of outburst Nate wanted to hear while standing with the real estate agent. Sarah’s just stamped the seal of approval on the asking price. That’s why Nate usually handles the...
