After more than 30 years in the financial advice business, it is clear to me that the one answer most people want the answer to is, “am I going to be okay?”

Settle For An OK Life

In the realm of financial planning, the goal is not merely to lead an okay life but to craft a plan that empowers individuals to live a truly great and fulfilling life. Real financial planning extends beyond budgeting and investment portfolios; it involves aligning your financial decisions with your unique aspirations and values.

The first step in this journey is to define what a great life means to you. It’s not a one-size-fits-all concept. For some, it might involve extensive travel, while for others, it could mean dedicating time to hobbies, philanthropy, or spending quality moments with family and friends. Understanding these personal aspirations is the foundation of real financial planning.

Settle For An OK Life

Next comes the art of balancing the present and the future. While it’s essential to save for the future, real financial planning recognizes the significance of enjoying the present moment. Allocating funds for experiences, whether it’s a dream vacation or pursuing a passion, contributes to a life rich in meaningful moments.

Settle For An OK Life

Strategic debt management is another crucial aspect. It’s not about avoiding all forms of debt but leveraging it wisely. Whether it’s a bond for a home that brings joy or an investment in education for personal growth, understanding the purpose behind borrowing is integral to real financial planning.

Settle For An OK Life

Diversification of investments goes hand in hand with crafting a resilient financial plan. Investing is a long-term game so don’t look for that “silver bullet” that will make you wealthy. Invest in what has always worked, the great companies of the world (stock market) and do so consistently. Boring is good when it comes to investing.

Real financial planning also acknowledges the significance of ongoing education. Staying informed about changes in the financial landscape, tax laws, and investment opportunities ensures that your plan evolves with you. Continuous learning equips you to make informed decisions that support your vision of a great life.

Lastly, collaboration is key. Engaging with a financial planner who understands your unique goals and values can provide valuable insights and expertise. Together, you can tailor a plan that not only safeguards your financial future but actively contributes to the realization of your aspirations.

In essence, real financial planning is a dynamic and personalized process. It’s about using your financial resources as a tool to design a life that transcends the ordinary—an extraordinary life that reflects your passions, values, and dreams. By intertwining your financial strategy with your life goals, you’re not just securing your future; you’re creating a roadmap to live a truly great life.


Dirk Groeneveld, Certified Financial Plannert. 

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