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40 Years of Money Management – Focus:  Wealth-Building

Tammi (my wife) and I have been following Dave Ramsey and Ramsey Solutions for decades.

 

Our 40th wedding anniversary is this month.  It was not an easy ride.  We did not learn good money-management behaviors before marriage and struggled as a result. Fortunately, we found Dave Ramsey.  A fun fact: we found Dave Ramsey in the sale bin.  He was on a clearance rack because they were transitioning from cassette tapes to CDs. We are grateful because this discovery transformed our marriage, finances, and career.  We share our personal experiences in this money management series.

 

I now serve clients as a Financial Advisor at Whitaker-Myers Wealth Managers and hold the additional designation of Certified Ramsey Solutions Master Financial Coach. Over the past 15+ years, I have had the privilege of helping hundreds of clients with money management and financial planning.  Let’s talk here about wealth-building and our personal journey.

 

Wealth-Building

You may already know that Dave recommends investing in four asset classes: growth, growth-and-income, aggressive growth, and international funds.  How can you do so, and does this really work? 

 

Tammi and I accumulated our retirement using this investment strategy.  It does work.

 

What are some investment keys to success?  Invest to the point of the match in your workplace 401 (k), 403 (b), or TSP account.  Max out your annual Roth IRA of up to $7500 if you are under 50 and up to $8600 if you are over 50.  Actively manage a good investment strategy – growth, growth and income, aggressive growth, and international.

 

We can attest that this strategy works.  Getting there takes knowledge, effort, and teamwork. 

 

More about our financial journey?  We married early and started investing later than many.

 

We married at 20, found Dave at 30, and started investing closer to 40. 

 

Why did it take so long to start investing?  Tammi and I knew about Ramsey, but we were not doing it together.  I was forcing it on her, and it did not go well.  It does not work when one person creates a budget without involving the other.  This is designed as a partnership with shared dreams and aspirations.  Once we embraced this, we started making better progress in our marriage and our finances.

 

We actually started following the baby steps.  And we became gazelle-intense together.  Most importantly, we started respecting each other.  We created a realistic budget.  We eliminated debt.  We saved an emergency fund.  We funded our retirement.  We saved for our kids' college.  We paid off our mortgage.  We made all of this happen together.    

 

We learned that the Ramsey system works well when we do it together as committed partners.

 

We also learned that it is never too late.  We learned that we needed to start doing the right things with our money, invest it well, work together, and build wealth.

 

 

How can you learn more about Financial Planning?

Let our team help you and your family with wealth-building.  We love helping our Ramsey clients and others to change their lives and build God’s Kingdom.  There is no better calling.  We have great Ramsey-style investment portfolios for you to consider.  And we help you wherever you find yourself on your financial journey.

 

If you’d like to explore more, please use my calendar link to schedule an introductory planning session.

Whitaker-Myers Wealth Managers is an SEC-registered investment adviser firm. The information presented is for educational purposes only and intended for a broad audience. The information does not intend to make an offer or solicitation to sell or purchase any specific securities, investments, or investment strategies. Investments involve risk and are not guaranteed. Whitaker-Myers Wealth Managers reasonably believes that this marketing does not include any false or misleading statements or omissions of facts regarding services, investment, or client experience. Whitaker-Myers Wealth Managers has a reasonable belief that the content will not cause an untrue or misleading implication regarding the adviser’s services, investments, or client experiences. Please refer to the firm’s ADV Part 2A for material risks disclosures.

​

Past performance of specific investment advice should not be relied upon without knowledge of certain circumstances of market events, the nature and timing of the investments, and relevant constraints of the investment. Whitaker-Myers Wealth Managers has presented information in a fair and balanced manner.

​

Copyright (c) 2023 Clearnomics, Inc. and Whitaker-Myers Wealth Managers, LTD. All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Past performance is not necessarily a guide to future results. Company fundamentals and earnings may be mentioned occasionally, but should not be construed as a recommendation to buy, sell, or hold the company's stock. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

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Whitaker-Myers Wealth Managers is an SEC-registered investment adviser firm. The information presented is for educational purposes only and intended for a broad audience. The information does not intend to make an offer or solicitation to sell or purchase any specific securities, investments, or investment strategies. Investments involve risk and are not guaranteed. Whitaker-Myers Wealth Managers reasonably believes that this marketing does not include any false or misleading statements or omissions of facts regarding services, investment, or client experience. Whitaker-Myers Wealth Managers has a reasonable belief that the content will not cause an untrue or misleading implication regarding the adviser’s services, investments, or client experiences. Please refer to the firm’s ADV Part 2A for material risks disclosures.

​

Past performance of specific investment advice should not be relied upon without knowledge of certain circumstances of market events, the nature and timing of the investments, and relevant constraints of the investment. Whitaker-Myers Wealth Managers has presented information in a fair and balanced manner.

​

Copyright (c) 2023 Clearnomics, Inc. and Whitaker-Myers Wealth Managers, LTD. All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Past performance is not necessarily a guide to future results. Company fundamentals and earnings may be mentioned occasionally, but should not be construed as a recommendation to buy, sell, or hold the company's stock. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

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