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Welcome to the 'No-Guilt' blog!
People come to here because they want to build financial confidence and take meaningful action. We provide the context for those things that affect your financial health. Our goal is to help you live in the 'No-Guilt Zone'.

William Pitney is a Certified Financial Planner™ and financial coach.  He is the founder of FocusYOU, a client-centered alternative to traditional financial sales and advisory services.  FocusYOU works primarily with high tech engineering managers, scientists, technical professionals and their families.  William has been featured in the New York Times, the Journal of Financial Planning, Black Enterprise and many other prominent publications.

It’s Gonna Cost You One Way or Another

Back around 2009-10, I came across a quote from Ben Feldman, one of the most prolific salespeople in world history, who said:
 

"Doing something costs something. Doing nothing costs something. And, quite often, doing nothing costs a lot more!"  

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Rebar for Protecting Your Earnings Power: What Would You Do?

Last time we reviewed the most overlooked insurance and the limits and limitations of government benefits.  

Now let me ask the question: What would you do?


How long would you be able to keep a roof over your head, the lights on and food on the table, if a disability kept you off the job?

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What Kind of Rebar is Protecting Your Earnings Power?

In Rebar to Cement Your Financial Foundation, the following table showed your future potential earning power until age 65 at various ages and income levels.  It’s a lot of power!

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The Most Common Pitfall I See in Personal Finance

In personal finance insurance is perhaps the most difficult subject to address because it forces us to think about the unknown.  In particular, our own mortality and sense of invincibility.  Bad things happen to other people—not me. 

Further, because insurance is about protecting against a future unknown, it’s difficult to determine or calculate how much protection you and your family will actually need.  Then there’s the issue of estimating how long will you need the protection. What is known is that you will pay premiums month after month and year after year. What is unknown and uncertain is whether the event you’re insuring against will ever occur.

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Why Are Social Security Investment Returns So Low? Part 2

In Part 1 of Why Are Social Security Investment Returns So Low?, we looked at how insurance companies work and why they are inherently conservative.  Let’s continue by examining Social Security and its investment returns.

 

 

Now about those Social Security Investment Returns

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