The purpose of this workbook is to recognize that in every marriage there tends to be a financially oriented spouse and a nonfinancially oriented spouse. In fact, there are many couples where “our” money, “his” money, and “her” money still exists.

As the seasons change and the crisp air of autumn arrives, it’s the perfect time to reflect on the progress we’ve made this year and to look ahead with focus and intention.

Money is emotional for a lot of people. And it’s these emotions that often get in the way of saving for the future.

In January, Fed Funds futures, which imply the market-based odds of a Fed rate move, were only pricing in one and a half rate cuts for 2025, meaning that sticky inflation and a healthy job market made aggressive economic loosening unlikely.

Monthly Expense Worksheet

Despite brief bouts of volatility in August and September, the S&P 500 roared back to once again end the quarter at an all-time high.

Despite recent bouts of volatility, equity markets marched higher, ending the third quarter at all-time highs. 

Despite splashy headlines, equity markets again hit an all-time high in January and finished the month with positive returns.