I create efficient tax and investment strategies for tenured Sales and Software Pros | Financial Advisor & Fractional CFO | Guiding you to a better and abundant financial life |

TFA’s mission is to enhance the present and future economic well-being of its clients and representatives. 

Baby Boomers are retiring every day.

The average baby boomer believes $300,000 is sufficient enough to retire on.

Do you think that's enough money? But before I answer that, here's my story:

I was on track to be a Chemical Engineer till 2020. But when I graduated, I was distraught with what the job requirements were. Putting myself first, I completely decided to quit the track.

No plan, no job in sight. I started to panic.
 
That's when my mom sat me down and told me to list the things I'm passionate about. Turns out personal finance and education were the top two on my list. Not shocking, considering I always had a passion for how money works. 
 
So, I started doing research for jobs in financial services. My goal was to implement my passion for financial education for everyone. 

Since then I've helped countless individuals, families, and business owners make easier financial decisions for their future.
 
Services I provide:

1. Portfolio Planning
2. Budget Creation
3. College Funding
4. Debt Reduction 
5. Retirement Planning 
6. Proper Protection
7. Tax Efficiency
8. Investment Allocation



What makes me different:
- Keeping you accountable to your goals
- Creating simple yet effective strategies
- Establishing a personal relationship
- Yearly reviews accounting for changes in goals and income

So to answer the question above, $300,000 is not enough money to retire on, in my opinion. But that's where I come in. 

If you want to learn more about how my clients are pursuing their financial goals, let's have a quick chat :)

Omkar Shinde

I've spent $75,000+ on my mortgage over the last 3 years.

3 reasons why I'll never ever go back into Real Estate ever again:

1. Interest
• It's no shocker payments first go to interest, then principal.
• In an environment rate like this, I'm not motivated to buy real estate and let it cash flow -$500 to $100 per month.
• I study the markets, and they're doing much better anyways.

2. Costs and Illiquidity
• Buying a house costs time, selling a house costs money.
• And the investment is fully illiquid. I cannot sell a bathroom and keep the house.
• Yes, loaning is an option and that's the only thing I like about it. But, that can also be a slippery slope.

3. Minimal Benefits
• Shreya works 40 hours a week, I run an advisory firm, and we own 2 rentals.
• Neither of us in Real Estate, nor can we qualify for REPS. So depreciation only offsets the cash flow we receive, nothing else.
• Not to mention maintenance, HOA, property management, and paying for all of that.

So yeah, I'm a huge believer money can be used in better places than real estate.

Anyone else agree?

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I create efficient tax plans and investment strategies for Sales & Software Employees making $200,000+ | DM me “W2” for an intro call.

3 weeks ago, Trump wanted to ban large institutional investors from buying single-family homes.

People are celebrating. But let me fill in the blanks for you:

37-year-olds making $172K can't buy a house.
Because BlackRock can pick up houses for 0.00023% of their balance sheet.

The Middle Class is not competing against families anymore.
They're competing against trillion dollar asset managers.

Who see nothing but dollar signs and decimal points.

So banning them makes sense, right?

But here's the other side:

Institutional investors own less than 3% of single-family homes in the U.S.

The real issue?

→ Interest rates that doubled.
→ 40-year low housing supply.
→ Zoning laws blocking construction.

Banning institutional buyers might feel good.

But it doesn't build more houses.

I work with clients making great money who still can't afford homes.

It's not just because BlackRock bought 3% of the market.
It's because there aren't enough homes being built.

Supply and Demand is basic macroeconomics. 

So what's the real solution?

Ban institutional buyers and hope prices drop?
Or build more housing so supply meets demand?

One feels good.
Both fix the problem.

What do you think—will this ban help or are we missing the bigger issue?

Every other Friday, you wait for that $4,786 paycheck.

But by Monday... *poof*.

You worked late nights.
Put in weekend hours.
Closed the deal that finally hit your quota.

Payday arrives—
And just like that, it disappears.

Because here’s what happens:

→ The rent auto-drafts.
→ The Amex bill hits.
→ Groceries, daycare, travel... all waiting in line.

By Monday morning, you’re already stressed about how to stretch what’s left.

This isn’t carelessness, well maybe a bit..

But mostly, it’s a missing skill.

Because *earning money* and *managing money* are two completely different games.

One fills your account.
The other builds your freedom.

Without a cash flow system, the cycle repeats:

• Direct deposit in on Friday.
• Expenses drain it by Monday.
• Anxiety fills the rest of the month.

What's worse? 
You can’t out-earn disorganization.

Most Sales clients making over $200,000, don’t need more money, they want it.

But they NEED a structure that makes cash flow predictable, month after month.

What's your cash flow management look like?

DM me "FLOW" and I’ll show you how to finally keep more of what you earn.

I took a bet on myself at 23 to drop a stable paycheck to go all in.

4 years later, I've 3x'd my salary and I'll never have to look for a job again.

Here's what nobody tells you about risk:

Everything is risky.

Staying at your job? Risky.
Layoffs happen. Budgets get cut. Companies fold.

Starting a business? Risky.
You might fail. You might lose money. You might look stupid.

The difference?

One risk keeps you comfortable until it doesn't.
The other risk builds something that can't be taken away from you.

Most people avoid the "scary" risks while taking the safest-looking risk of all—betting their entire future on someone else's decision.

That's not safety.
That's just delayed uncertainty.

When I left my 6-figure job, everyone thought I was crazy.

"You're throwing away stability."
"What if it doesn't work out?"
"You should wait a few more years."

But as time went on, it became clear:

The biggest risk wasn't starting my business.
It was spending the next 40 years wondering "what if?"

4 years later, I've tripled my income.
Built financial freedom on my own terms.
And I'll never have to update my resume again.

You're going to take a risk either way.

So why not take the one with the outcome YOU actually want?

The job will always be there if you need it.
But the opportunity to build something for yourself?

That window doesn't stay open forever.

It's the first full week back in 2026, what are you doing today to start your year your way?

At 18 years old, I was denied my first credit card.

At 25 years old, I had a credit score of 815.

Here's how I did it:

• Paid off my card bi-weekly for 4 years straight
• Kept my first card open, even when I stopped using it
• Used less than 10% of my limit per month
• Increased my limit every 6 months
• Followed Chase's 5/24 rule

I didn't have anyone teach me how to build credit.

I figured it out on my own.

Most people wait for someone to show them the way.

They wait for their parents to explain it.
They wait for school to teach it.
They wait for the "right time" to start.

But nobody's coming to save you.

If you want something in life, you have to make it happen yourself.

And the difference between where you are and where you want to be?
Action.

You either figure it out or you stay stuck.
Or pay someone like me to make sure you get what you need.

P.S: Struggling with your credit? DM me "CREDIT" and let's talk.

Using your 401(k) funds for a down payment?

This will create a generation of homeowners who can't afford to retire.

Trump's berlieves his proposal is the solution to help the home-buying dilemma.
Let me show you what this actually means:

You're 28 with $40K in your 401(k).
You can't afford a down payment.

Now you can pull $30K out and buy a house.
Problem solved.

But here's what you're not seeing:

Keeping retirement funds locked up has actually been helpful.
It forces people to save cash for a down payment.

Which means:

→ They build an emergency fund first.
→ Their retirement keeps growing the entire time
→ They prove they can handle homeownership costs.

Yes, it delays buying a house.

But that delay protects both your home AND your retirement.

Now imagine this:

A 28-year-old pulls $30K from their 401(k) for a down payment.

Buys a house they can barely afford.
Then the AC breaks. Roof leaks. Property taxes spike.
No cash reserves left.

And their retirement account is back at $0.

They're house rich, cash poor and back to the foothills of the retirement mountain.

Access to retirement funds might sound like freedom.
(Could be)

But my bet is it's more likely to create a generation of homeowners who can't afford to retire.

What do you think—does easy access help or hurt more people?

I've worked with AE's making $400,000/year. 
 
I've also worked with a bakery owner making $40,000/year. 
 
My top 5 lessons on literacy I've learned while serving a diverse client base: 
 
→ Financial discipline is the main difference, 
Between someone making $1,000/month vs. $10,000/month. 
 
→ Educating people about their finances sells. 
Not the fee structure. 
 
→ Your history and your mission are both crucial, 
And bridge both of these with your story. 
 
→ Money is still a taboo topic, 
even in high-income households. 
 
→ Your salary on paper does not matter. 
It's your bank account balance that does. 
 
 
The only way to freedom is through education. 
 
So get literate to be liberated. 
 
Message me today to take the first step.

A potentially illegal Roth IRA hack that hasn't been discovered yet.

Disclaimer: This is not financial advice.

Father has a Roth IRA. Son has a Roth IRA.
Father makes $82,000. Son makes $76,000.

Father pays for everything, has nothing to save at the end of the month.
Son is single and lives at home, 80% of his income is discretionary.

Son maxes out his Roth IRA. 
Son maxes out Father's Roth IRA.

Son is 27. Father is 58.

There's a mutual understanding between Father and Son that Son will inherit the Roth upon the Father's passing.

Let's assume Father lives till 90.

Which means Son has 32 years of compounding interest on $15,000/year of contributions.

Considering they start from $0, and max it out every year,
that's a combined Roth Account of $2M completely tax-free.

With the 4% rule, that's $80k/year in tax-free retirement income for the son.
Even higher with an Annuity.

To any tax pros, is this legal?

P.S: This may or may not be an real life scenario. 👀

Shreya and I spent $2,134 on our trip to Portland, Oregon in December.

Here are the 2 financial rules that help us travel every month:

1. Systems create peace.
2. Memories > Money any day.

Let me lay out the scene:

→ United Economy to Portland.
→ Diamond status got us an Upgraded room at Hilton.
→ Waterfalls, Mountains, beaches and mouth watering food.

The best part? 

I was swiping my card like a Kardashian.
I never swiped thinking, “Can I actually afford this?”

The actual difference between budgeting and building a system.

Budgeting is like trying to count calories while you’re holding a plate of warm cookies.
Systems are the reason you don’t even keep cookies in the house.

Before the trip:

→ Travel fund? Funded.
→ Investments on autopilot as always.
→ Houses on rent so no worry on the mortgage.
→ Business cash flow still operating despite 4 days off.

So this trip was a nice getaway for us to treat ourselves.

I had the peace of mind that my money was working for me.
I was spending time with Shreya, last few months as fiancées.

Just 2 D.I.N.K's with a good financial system.

But this is where most sales reps struggle.

One big commission check hits and it feels like winning the lottery.
The next month, income dips and panic sets in.

That volatility isn’t the problem—it’s the lack of a system to handle it.

So yes, we spent $2,134.

But what I really bought was peace of mind and memories with the best.

Sales doesn’t have to feel unstable.
You just need a structure that makes the unpredictable... predictable.

Want a masterclass in business and finance?

The Chainsmokers make 7 figures/year for a 245 second song from 2016.

TikTok has the "2026 is the new 2016" trend going on.
And it brought back Freshman year memories.

The biggest flashback was screaming,
"From your roommate back in BOULDER, we ain't never getting older."

And I realized, they recorded "Closer" 9 years ago.

And it still pays them millions.

Every stream. Every radio play. Every TikTok video.
They get paid.

If only we taught that to everyone, because most people trade time for money:

Work 40 hours → Get paid once → Repeat forever.

But the smartest people build assets:

Work once → Get paid forever.

Here's what that looks like:

• Invest in assets that pay dividends
• Write a book that sells for 10 years
• Build a course people buy on repeat
• Create content that generates leads daily

The Chainsmokers aren't special.

They just built something once that keeps working for them.
You can do the same thing.

Stop chasing the next paycheck.
Start building something that pays you long after the work is done.

Because the goal shouldn't be to work harder.
It's to work once and get paid forever.

What's one thing you're building today that will pay you for years?

I sobbed the entire night after I got laid off.

It made me accept the reality which I was avoiding.

Here's what I chose to ignore:

I worked at a company that paid me just enough to keep me comfortable.
And I gave them just enough to hit quota and stay off the radar.

I was checked out. 
I was wondering "is this it?".

I did what many corporate employees do:

* Hit my numbers.
* Met expectations.
* Waited for the next cycle.
* Played the promotion game.
* Hid behind my Zoom camera.

From the outside, everything looked fine.
Inside? I was uneasy.

This arrangement was bad for everyone.

I wasn’t building real leverage or skills.
The company didn’t get my full potential.
And my motivation slowly eroded quarter after quarter.

The layoff was brutal. But it forced honesty.

Today, I’m genuinely grateful for the environment I work in now.

One where:

* You’re rewarded for impact, not just tenure.
* Ownership matters more than politics.
* Growth isn’t tied to a title change.
* Effort actually compounds.

If you’re feeling that low-grade dissatisfaction between performance reviews and promotion cycles, pay attention.

That feeling isn’t burnout.
It’s misalignment.

You don’t owe your career another year of playing it safe.
You owe your future another year of building your heaven on earth.

P.S. If this sounds like you, trust me—you’re not broken. You’re just ready for more.

Open to other opportunities? DM me "Open" because I'm hiring 3-5 motivated people for 2026.

Trump wants Credit card companies to slash rates to 10% for 1 year.

Here's how it affects you:

Let's take the Average Joe:
Joe has $6,000 in Credit Card Debt.

Current rate (22%): $1,320/year in interest
Proposed rate (10%): $600/year in interest
Savings: $720/year

That's real dollars back in your pockets.
But it's what I call "invisible money". 

You will be happy with a reduction in interest charges, 
but unless it is consciously put to use, this is money that will be spent on something random.

And here's the other side:

Credit card companies make $120B/year in interest.

A rate cap would cut that in half, which results in:

→ Fewer rewards programs.
→ Higher fees to offset losses.
→ Stricter approval requirements.
→ Lower credit limits for existing customers.

There's one thing I can guarantee you:
Banks will not absorb the losses (why would they?).

They will pass them down.

The people who need credit the most?
They'd have the hardest time getting it.

So who actually wins here?

Companies lose revenue.
People trying to build credit get locked out.
People with existing balances get temporary relief.

With no guarantee of them actually getting out of debt.

To me, the real question isn't whether 10% sounds better than 22%.
It's whether we're solving the problem or kicking the can down the road.

What do you think—would this help or hurt more people in the long run?

I left corporate, built my own paycheck, and found my sense of freedom.

Would you like that too?

2025 was a year of growth for me:

- Got engaged 💍
- Caught 7 flights 🛩️
- Moved back home 🏠
- Better Systems and Ops.
- Finalized our dream wedding.
- $200,000+ revenue generated.
- $10,000,000+ AUM accumulated.

All this without:
- Worrying about a job loss.
- Hesitating to take time off.
- Applying to jobs because mine sucks.
- Responding to slack messages on vacation.
- Moving my mouse because PTO wasn't approved.

Now 2026, I have only one goal:

- SCALE.

But there's a problem. 

I, like everyone else, have only 24 hours in a day.
And I'm at a point where 12 of those are already taken up by my clients.

Which means, if I want to positively impact more people, 
I have to hire more people.

So, I want to help you create a life just like mine.
(It's hard work, but I think it's worth it 😉)

Here's what I'm looking for:
- Someone who wants to positively impact their community.
- Someone with a passion for Finance but doesn't know how to get started.
- Someone who's dissatisfied with their career and are open to other options.
- Someone who's always dreamt of being a business owner, but never had the opportunity.

You'd be introduced to a team that:
- Have backgrounds in Engineering, Law, Finance, Sales and Medicine.
- Are collectively pushing $400MM in Asset Under Management.
- Have worked at KPMG, Deloitte, Arther-Andersen, Booz-Allen Hamilton etc.
- Want to take a chance on you making it.

It's only 16 days into 2026. Imagine what this could look like 349 days from today.

Don't underestimate how long it might take you to be successful. 

We all have to start somewhere. Might as well, be here and be today.


Interested? We're interviewing people that fit the above criteria. DM me "FA" and I'll reach out to you to set a time.

If you're not interested, send this to someone you know who might be a good fit.

Instagram's CEO claims "Quality content is dead."

If you're creating content in 2026, here's what you should know..

Everyone and their mom is using AI now.

Templates structure their posts.
ChatGPT generates their hooks.
Claude writes their captions.
Grok fact checks the result.

And it sounds as perfect as Celine Dion's Voice.

We're more connected than ever before but we've never felt more disconnected emotionally.

I've seen it happen:

Someone posts 5 times a week with AI-written content.
Gets 8 likes, 12 comments.

And then crickets....

But posting about what happened to you when you were 14, and how that impacted you today?

DMs flood in.
Comments blow up.
People finally feel something.

Because it was authentic.

Stop trying to sound smart, start sounding like you.

Share the messy parts.
The failures.
The "I have no idea what I'm doing" moments.

AI can write your posts.
But it can't tell YOUR story in your voice.

Every time your audience reads your post, if they can't imagine you saying it, you've lost.

And that's the only thing people actually care about anymore.
Your voice.

What's one thing you've been afraid to share because it's "too vulnerable"?

High Taxes? Real Estate is the answer to everything.

I wouldn't touch real estate with a 10 ft. pole if that was me.

Every guru screams the same thing:

"Real estate is the best tax shelter!"
"Depreciation writes off everything!"
"Buy rentals and pay zero taxes!"

Cool story. Let's take a quick peak behind the scenes, shall we?

You're trading tax savings for actual cash flow.

Let me break it down:

You buy a $500K rental property.

Depreciation saves you $7K/year in taxes.

But you're also dealing with:

→ $15K roof repair you didn't budget for
→ Tenants who stop paying rent
→ Property taxes that went up 18%
→ Insurance that doubled in 2 years

Your "tax savings" just got eaten alive by expenses.

And that's if everything goes right.

What if interest rates spike and your property value drops 20%?

What if you need cash and can't sell because the market's dead?

What if your tenant trashes the place and you're stuck with a $30K renovation?

Real estate isn't liquid.
It's not passive.
And it sure as hell isn't a guaranteed win.

I've seen clients lose more money chasing "tax benefits" in real estate than they ever saved.

They bought properties they couldn't afford.
In markets they didn't understand.
Because someone on Instagram told them it was "the smart play."

Here's the truth:

Real estate CAN be great.

But only if you have the time, the capital, and the risk tolerance to handle it.

If you're buying rental properties just to "save on taxes"?

You're doing it for the wrong reason.

And you're probably going to lose money.

Tax savings don't mean anything if you're broke.

What's your take—is real estate overhyped or am I missing something?

A simple X post made me rethink what doubt is.

Here's how it goes:

"The archer aims at the target, not the doubts in his mind or on his ears."

It's what I needed to hear that day.

Because here's what happens when you chase something big:
Everyone has an opinion.

"That's too risky."
"What if you fail?"
"Why don't you just stay where you are?"

And the worst part? You low-key believe them if you aren't confident in your skills yet.

You question yourself.
You second-guess every move.
You get paralyzed by what could go wrong.

Here's the reframe:
Doubt isn't the problem. Doubt is actually a good thing.

It means you're on a path that most won't tread,
which means lesser competition,
and a higher reward.

Focusing on doubt is the major.

Our brain takes a small piece of information and creates the scenario that's worse than death.

The archer doesn't aim at his doubts.
He aims at the target.

Every single day.

Your job isn't to eliminate doubt.

It's to ignore it and focus on the task in front of you.

Write the post. Make the call. Send the email. Face the rejection.
But show up again tomorrow.

None of that matters if you just keep aiming at the target.

Big goals aren't achieved by overthinking them.
They're achieved by doing the small tasks every single day.

America is at $1,130,000,000,000 in Credit Card debt. 
 
Here's how I helped John and Jane Doe eliminate theirs. 
 
John and Jane are very frugal: 
 
• John works in construction making $120,000. 
• Jane runs her own embroidery business. 
• Paying down a house and 2 cars. 
• Provide for their 2 children. 
• Yearly family trips. 
 
They just did one thing incorrectly. 
 
They paid for a wedding using Credit Cards. 
 
They admitted it themselves. 
"We were young, dumb and broke." 
 
But that was 8 years ago..... 
 
Since then they've paid off only $25k, 
and paid more than $30k in interest. 
 
They needed a way out. 
 
That's when they sat down with my team. 
 
Here's the plan we created for them: 
 
1. Consolidated the debt 
- They had 12 different cards, with variable rates balances. 
- Credit transfer onto one card with a 0% APR for 21 months. 
 
2. Negotiation 
- Believe it or not, some credit card companies are willing to extend promo periods. 
- We negotiated a 0% APR for an extra year (21 -> 33 months). 
 
3. Priority mapping 
- Do you want to keep your same lifestyle or pay off your debt? 
- Which one is worth the short-term pain? 
 
4. Take action 
- Stick the the monthly payment outlined. 
- Contribute any bonuses or extra amounts to the principal. 
 
They've been on their journey for 22 months. 
 
Yesterday marked $40k in debt paid off. 
 
They hit 1.5x in 22 months, 
than what they paid off in 7 years. 
 
That's the power of proactive debt planning.

How are you eliminating your debt?

Your job at Salesforce might impress your folks.

Big title. Big quota. But your bank account? Still small.

If I had to guess, you’re grinding:

* Consistently hitting quota
* Managing a team or region
* Exploring a side hustle "just in case"

On paper, you’re winning.

But in reality: 

* Taxes are quietly crushing your take-home
* Lifestyle creep followed the last promotion
* Tax planning feels reactive, not intentional

Here’s the hard truth I see with a lot of AE's and Directors:

You’re earning from multiple places,
but you’re running your money with zero system.

Common mistakes I see:

* Treating commissions like salary
* Running side hustles without tax planning
* Outsourcing everything except your finances

So how do you fix it?

Start here:

1️⃣ Separate operator money from lifestyle money
Your commission and side hustle income should follow rules.
Not vibes. Or your friends orders.

2️⃣ Automate wealth, not just savings
401(k), backdoor Roth, brokerage.
If it’s manual, it’s optional. And optional never scales.

3️⃣ Proactively Tax plan
RSU's, ESPPs, Commission Checks - need in depth planning.
Real Estate, Oil and Gas, Private Equity - need qualifications.

It’s not about closing more deals. You already know how to do that.

It’s about keeping more of what you earn
and making your money work as hard as you do.

Your dream life doesn’t come from a higher quota.
It comes from better systems.

P.S. If you’re an AE making $200,000+ but feel behind anyway, DM me "AE" if you want to lower stress, and higher bless.

Catholics have a desire to live a full and meaningful life…but how does this play out financially? 

There's a lot of noise out there:

 - What google says.
 - What the culture says.
 - What our fears say.

If you're like the clients that found us…

...you had at least one of these concerns:🤔

 - Analysis paralysis with what to do
 - Your advisor doesn't share your values
 - You're invested in companies that do harm
 - You're unsure how to handle an inheritance
 - There's a lack of peace surrounding your wealth
 - You worry about what you'll leave after they pass
 - You just don't have the time to manage everything
 - You want to sell your business but don't know where to go. 
 - You need to set up benefits for their business/non-profit but don't know where to start. 


We help you: 

Catholic families, institutions, and business owners wanting to live out their financial calling

It's done through financial methods and tools…

 - Small business planning & selling strategies
 - Life Insurance & risk management planning
 - Business and non-profit retirement plans
 - Investment strategies & screening
 - Employee benefits packages
 - Legacy planning strategies
 - Estate planning strategies
 - Tax-efficient Strategies
 - Retirement planning

…but the result is a financial realignment. 🎯

✔️ A simple plan for complicated problems. 
✔️ A loving plan that is focused on the people you care about most. 


This is how we help you. 

Message me 'Finances' to learn more.

Will Murley

The Christian life: 
 
 - Get married before your friends. 
 - Have kids you can't afford. 
 - Start a business with no plan B. 
 - Follow God's call to a new city. 
 
 Don't make safety an idol. 
 
 And don't make money your safety. 
 
Live a life worthy of the dignity of your calling.

Will Murley, CFP®

Catholic Values-Driven Planning For Families | Husband, Father, & Financial Planner ➡️ Read My 'Services' Section Then DM Me "Finances" To Learn More

No alternative text description for this image

This picture makes me mad. 

I've seen it circulating around LinkedIn…

…so I need to chime in. 


_____


For many families, these numbers are new poverty level numbers. 

In Texas, 96k may be more than enough if you…

- Already have the house. 
- Already have newer cars. 
- Already have a strong emergency fund. 
- Already are debt free (excluding mortgage). 

But trying to get ahead? 

You'd have to be more disciplined than 90% of families out there. 

If you're month to month on these numbers, one big cash need could throw you in the credit card cycle for a decade. 

_____


Pray for our leaders. 

Pray for inflation to cool significantly. 

Pray that we as a nation can draw close to God and unite our riches and poverty to Him.


_____


image source: https://lnkd.in/enfmymsr

Important prayer request for my LinkedIn connections and followers: 

My friend, Aimee D.'s son Liam (age 14), was diagnosed with an aggressive brain tumor. 

I ask that everyone lift up Liam and his family in your prayers. 

Prayer for total healing and God's will to be done. 

Thank you 🙏🙏🙏

"Keep your faith off LinkedIn"

I've gotten that comment before on content. 

It's very 20th century…

"We'll dilute values until they taste like cardboard so we don't offend anyone"

They might as well say that.  

And what did this polished cardboard get us?

- Corporate jobs where people die on the inside
- Daily rush-hour commutes where we spite the accident that slowed the drive
- HR talking points so dry they making AI writing seem warm by comparison
- Shareholders that ignore their moral responsibility 

I say 2026 and the 21st century should have a different business philosophy

- Bring your faith into work
- Bring your values to your co-workers

And then BRING it home with you. 

I'm far from perfect…

…and so are you

That doesn't mean we let that stop us from striving towards a fully integrated life. 

__

What's your biggest issue with corporate America?

Too many advisors bash Dave Ramsey. 

They acknowledge he's good, then eviscerate what he says. 

I'll do the opposite. 

…

I want to acknowledge  there comes a time you 'graduate' his methods. 


HOWEVER…


I want to praise what he's accomplished. 

If I were to meet him, I would give him a HUGE hug. 


- Credit card debt is modern day financial slavery. 
- Lack of budgeting is modern day illiteracy. 


THANK YOU, Dave Ramsey. 


You've helped millions - many of whom became my clients. 


You were the first step in preparing them to work with our team and create a customized financial plan. 


Prayers for you and your family.

If you don't get to confession at least 20 minutes early at our parish…

…then you're probably spending the whole afternoon in line. 


This is a great problem to have…

…and the Church needs more GOOD PROBLEMS:

- More parishioners going to confession
- More Mass times needing to be scheduled
- More ministries that need funding
- More logistics to crack organizational needs


Despite its many flaws, the American Church has many strengths. 

One of my favorites is the entrepreneurial spirit many laity and religious have. 

Americans love building things and creating systems

So many of you on LinkedIn I've spoken with are doing just that

It's awesome. 

Keep it up…

…because a good problem is really an opportunity…

…and an opportunity can become an adventure…

…and adventure is exactly what the Holy Spirit is calling all of us into.

The cost of moving to Pennsylvania and marrying my wife was $220,162.40*

This doesn't include the wedding cost. 

Here's the breakdown: 📋


$20,000 to support the SPO missionary at UCF who told me about NET Ministries. 

$70,000 to support me as a missionary and pay for 7 other missionaries at a parish in Naples, FL. 

$40,000 to support two years of me on staff with NET Ministries. 

$20,000 to support my wife being a missionary where we would eventually meet. 

$70,000 to support my salary and youth program at a parish which was the reason my wife and I saw each other again and had the conversation that led to us dating. 

$162.40 in gas to drive to Philadelphia to pursue and marry my wife. 


Hundreds of people, possibly thousands, contributed to the charitable work that led to my wife and I sitting on a porch in West Saint Paul, MN and chatting about life. 


I've never met most of those donors. 


If you don't think money can do good, think again. 


Wealth is an opportunity to do the following: 

✔️ Grow in generosity
✔️ Make an impact
✔️ Cooperate with Christ's salvific work


Imagine if you used your wealth within your family to love, and outside your family to bless. 


You'd experience true joy. 

______________

I love the families and small business owners I serve because I get to play a role in their financial impact and generosity. 

Hit ‘follow’ to see more. 📲

Message me to learn more. 💬

Memento mori…plan accordingly

God bless 🙏

Money is a secular holdout in people's lives.

It's often the last to come around.

We should all pray daily:

Jesus, I give you my heart. 
Jesus, I give you my wealth. 
Jesus, do great things with my abundance or lack thereof.

Jesus, I trust in you.

Seeing people work starter retail jobs break my heart. 

Is that bad?

I worked at a grocery store through college…

- 10 hour shifts
- Headache inducing florescent lights
- Wrist pain from non-stop grocery scanning

So I know how difficult it is…

…and how one can feel stuck. 

You know…

As my business began to really explode…and also my paychecks…

…it was hard not to feel guilty about accumulating wealth.

As a kid…we always had enough to eat…but that was often it. 

#lowermiddleclasslife

But I've learned something key about accumulating wealth:

- It's not mine

It never was…all things belong to Christ. 


"The LORD gave and the LORD has taken away;

blessed be the name of the LORD!”

- Job 1:21


And the retail job?

Like all jobs…it's work, and therefore, dignifying as long as you're there for the right reasons with the right heart.  

That's how we save the world:

('we' being Christ through us)

- We work diligently
- We pray intentionally
- We give generously

And St. Mother Teresa of Calcutta said with love…

…start with your family. 

They're in your life for a reason. 

--

How do you see your work?

Having a new kid crushed my prayer life:

I used to think I was pretty great…

…because I always did at least 20 minutes of prayer before starting the day. 

Well

Correction

I didn't KNOW I thought I was pretty great until my routine melted:

Pride revealed = pride known

Hopefully pride addressed & crushed.

And man…pride is nasty:

- it's subtle
- it's covert
- it's leeching
- it's infectious

It's the most deadly sin because it's the most spiritual. 

When you go through the deadly sins in order…

…the physical sins come later:

They're more corruption based. 

The only truly evil thing is spiritual.


And your money/wealth/net worth is like a bucket:

👉 It'll hold and soak in whatever's in your heart

- virtue
- vice
- pride
- humility
- chivalry
- selfishness

If you have it…your money has it.

So any financial plans you make will live or die by both your HEART and the numbers

Heart equals:

- self-orientation
- vision
- destiny
- connections

Numbers equal:

- sustainability
- practicality
- multiplicity 

So big takeaway…"yes and"

Classic Catholic answer

A virtuous, prudent, and balanced life will bear the fruit of peace and joy. 

If you identify an area of anxiety:

- Money
- Relationships
- Etc…

Know there's a deficiency that needs to be addressed - whether it be the heart and/or the numbers (aka…the material/practical)

__


What's the biggest struggle you see Americans deal with around money?

Our wedding cost $36,000. 

And that was in 2022…

…adjusted for inflation that's probably just north of 3.2 million*

Either way…

Here's the breakdown:


- Photography - $3,000
- Videographer - $1,000
- Venue - $4,000
- Catering - $15,000
- Everything else…$$$


And like funerals, toddler birthday parties, and toilet paper during the pandemic…

…they get you because you can't say 'no' to the cost. 

So big advice for people approaching/discerning marriage:

👉 Manage a balance of short and long-term savings.

Retirement takes a long time to intentionally save for…

…and early savings ROI for that can be incredible.

But don't forget you probably have:

- 30k for the wedding
- 10k for the honeymoon
- 10k for the first kid's birth
- 20k for that mini-van once you have 3 kids

So manage that balance!


But what do you think? 

Is 36k…

- Cheap?
- Expensive?

What did your wedding cost?



____



*kidding of course :)

"You are 87% on track for retirement." 

A lot of 401k portals say things like that. 

It's usually malarkey. 

A real projection accounts for: 

- Social Security (and its funding gap)
- Medicare premiums
- S.A.L.T.
- Real Estate Assets
- Inflation adjustments
- Career growth

And anything else pertinent. 

It's hard to get somewhere if you don't know the starting location

Generational wealth isn't built through retirement accounts. 

It tends to occur in: 

- Businesses
- Real estate
- Non-qualified investment accounts. 

If your plan is to pass your 401k/IRA to your kids…

…we need to talk right now. 

The tax man cometh.

Top five facepalm moments with clients:

(AKA advisor confessions AKA what I wish I could tell them)


1. If your income doubled, nothing would get fixed unless your habits changed. 


This one is HUGE:

Behavior > paycheck 

Every time. 

Decisions compound positive or negatively like interest/debt


2. Stop being selfish


It's been hard hitting 'end meeting' to lean back in my office chair and say "Lord…please help him." or "That's gonna cost his kids a lot of time, money, and legal headaches."

Gambling should stay in Vegas…not with people's life, estate, and long-term care


3. You're telling me this now?


Debt consolidation…selling a house…cashing out a 401k…staying in cash

All without asking their advisor.

These are things people decide in the silo of their brain, with a single google search being their big research move. 

Multiple times I've done the math in my head…"150k mistake here…300k mistake there…oh boy…" etc etc etc


4. I think you're over-discerning this.

You discern marriage for two years, not a 1% increase in 401k contributions. 

There is an inverse relationship between discernment time and monetary success in many financial decisions. 




5. A slightly better strategy will always be out there or be developed…but in constantly re-seeking that you'll ironically end up worse than sticking with a solid system


Scrap the phrase "practice makes perfect"

Lies

"practice makes PRECISION"

And being precise is how you do personal finance…perfection is a pride-fueled fever dream



So there you have it! 

Five confessions my confirmation saint, St. Augustine, would hopefully be relieved to hear if he was my spiritual director. 

__


What triggers you financially?

Twenty years from now we'll all watch AI created movies in the theater:

All your favorite or least favorite historical actors and historical figures could be in them:

- James Stewart
- Nicholas Cage
- Judy Garland
- Sean Connery
- Teddy Roosevelt
- Donald Trump
- Joe Biden
- Tom Cruise

Anyone you want. 

And twenty years after that, you could just tell AI the kind of movie you want to watch:

And it'll make it.

"Star wars, but Thanos is the main villain and Jeff Goldblum and Bugs Bunny are the heroes". 

And it would be so much fun…perfectly crafted for your every whim, comedic taste, and desire. 

But your initial sense reading this is correct…

…something's wrong. 

That's because there is. 

We're made for relationship…not entertainment. 

Leisure leads to peace

Not constant stimulation. 


Financial pivot…

…wealth can be grate for creating:

- Stability
- Consistency
- Excess

…but if it's used for constant entertainment pursuit…

…you'll hollow out. 

I learned that real joy comes from my faith, family, and not letting my personal goals take an exit from the road the Lord has put me on. 

It's a journey to stay the course…as it is for all of us…but it's so worth it.

__


If there was an completely AI created film…would you watch it?

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