Relying On Luck
Shutterstock Image
The Money Maverick Podcast – How Our Natural Tendencies Hurt Us Financially
Investing for Capital Appreciation or Cash Flow?
By Kyle J Christensen, Principles-Based Financial Planner, Owner of Unique Advantage The goal isn’t more money. The goal is living life on your terms. – Will Rogers This is a very important question. I think it helps to start with the end in mind. What is my purpose for investing? Am I just trying to […]
Financial Success Is A Matter of Habits
“Habits are the compound interest of self-improvement.” – James Clear, Atomic Habits By Kyle J Christensen, Founder of Unique Advantage Unique Advantage Monthly Client Email 01/01/2024 Have you ever noticed that you put the same shoe (right or left) on first every time? Have you noticed that you put the same sock on first every […]
How Principles Help Me Make Better Choices
Unique Advantage Monthly Client Email – December 7, 2023 By Kyle J Christensen, Founder of Unique Advantage Most of us have been somewhere hiking in the mountains or woods, traveling in an unfamiliar city or country, or out on a boat on a lake or the sea. How would we feel if we had no […]
The WHY of Financial Freedom
Unique Advantage Monthly Client Email – November 6, 2023 By Kyle J Christensen, Principles-Based Planner and Founder The goal is Freedom not Retirement. Freedom: the absence of necessity, coercion, or constraint in choice or action. Liberation from slavery or restraint from the power of another. Retirement: withdrawal from one’s position or occupation or from active […]
Financial Success Is Unnatural
Unique Advantage Monthly Client Email – Oct. 3, 2023 By Kyle J Christensen, Principles-Based Planner & Founder Work: To exert oneself physically or mentally especially in sustained effort for a purpose or under compulsion or necessity.(Merriam-Webster.com) Earn: To receive as return for effort and especially for work done or services rendered.(Merriam-Webster.com) Invest: To commit money in order to earn a financial return.(Merriam-Webster.com) […]
Self-Insure: How Financial Institutions Get You To Do What They Want
Unique Advantage Monthly Client Email – 09/01/2023 by Kyle J Christensen, CFP, Principles-Based Financial Planner The Four Rules of Financial Insitutions1- They want our money.2- They want it every time we get paid.3- They want to hold onto it for as long as possible.4- They want to give back as little as possible. It’s always […]
Why Is Whole Life Insurance A Great Option for Saving for My Kids’ Future?
Written by Kyle J Christensen, CFP, June 28, 2019 One of my fantastic clients asked me today about the idea of adding whole life insurance on kids. This was my response: My wife and I have whole life insurance on each of our kids, and there are several reasons for that. Here are some of […]
Debt and Opportunity Costs
Written by Kyle J Christensen, CFP, Aug. 14, 2020 The truth is, money is debt. Dollars are the only “legal tender” in the United States. In other words, dollars, which are a debt obligation (a promissory note) of the US government (printed by The Federal Reserve), is the only money in the United States. If a person wants […]
The True Cost of the Employer Match
Written by Kyle J Christensen, CFP, Sept. 27, 2019 When I asked clients why they are contributing to their company 401(k) they give me two answers usually, 1) they get a match, and 2) they save on taxes. Interestingly I’ve never heard anyone say that they are contributing to their 401(k) because they love the […]
Cash Flow Is King
Written by Kyle J Christensen, CFP, August 1, 2019 The Caspian Sea is the largest lake in the world. It is 640 miles long, and 270 miles wide at it’s widest. It is 6.7 times larger in volume than all of the Great Lakes in the Northern United States and Canada combined. To say it […]
