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® | Cancer, Health, Inspiration, Motivation, Running Money ®
The big one is about 100 millimeters in diameter, about the size of a softball. It’s been growing about 2.5 millimeters per year. Maybe it’s accelerated recently, but doing the math, that’s a 40-year life. Discovered following a troublesome lump on the head....
by Ralph Bender, MBA, CFP® | Client Stories, Motivation, Protecting Family Money, Retirement, Videos
The pile. It sits on Jake’s credenza containing all the documents and files that he’s promised Cynthia he’d review and be decisive. Sometimes being decisive isn’t in one’s best interests. We want time to ruminate on the ideas, or just be lazy. Jake’s not a lazy...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Motivation, Videos
Damien comes from a troubled family. Issues cascade from one generation to the next, like a series of waterfalls, crashing on the rocks below, then raging through the rapids, until cascading over the next cliff. But Damien’s paddling hard against the current to get...
by Ralph Bender, MBA, CFP® | Fitness, Food and Nutrition, Motivation, Retirement, Videos
With a family history of heart disease, #RunninRalph (runnin’ with no G, follow that hashtag, please) visits the cardiologist whenever there is any indication of discomfort in the chest. At least that’s how his relationship with the doctor began. Now he’s on a regular...
by Ralph Bender, MBA, CFP® | Client Stories, Motivation, Retirement, RunninRalph, Videos
Before the stroke, Marty had great control of his limbs. As a machinist, that’s a very good thing. Running steel through a lathe when you’re unstable, not so good. He’s long since retired, and his health continues to slide. He’s taken up baking. He likes making...
