Spend Now or Save For Later?

Good financial choices come from acknowledging the reality of your finances and understanding what is truly important to you. Deciding between spending money on a vacation versus investing more in retirement isn’t a right or wrong decision. Striking a balance between what benefits you today and what you will need in the future are big personal choices. 

Having more money, is not a worthy goal. What the money allows you to do in your life is what matters.

Questions to ask yourself include:

  • Why are you trying to earn more money or invest it wisely? 
  • What do you want to save for? 
  • What is your financial reality? Do you spend more than you make?

The best planning is all about making optimal decisions based on what you value and what choices support your efforts. 

“The desire of gold is not for gold. It is for the means of freedom and benefit.”   Ralph Waldo Emerson