It’s Sunday, which means...It’s recap time! This week’s theme was index card personal finance. If I could only give you a few pieces of advice - all of which would be able to fit on a 3x5 index card, what would I tell you? 

Here’s what I would put on that index card and what we covered in each episode this week:

• Make your advisor commit to a fiduciary standard 
• Max out all of your savings accounts available to you - HSA, 401k, & IRA accounts
• Pay off your credit cards every month
• Spend less than 70-80% of your income
• Stay invested for growth for the long-term 
• Pay off your mortgage before retirement 

My hope is that you come away from this week with more knowledge about what habits, behaviors, and actions will move the needle the most for you in helping you achieve your most important financial goals. 

Tomorrow, we are starting a brand new theme: how gratitude changes your outlook on money. 

It’s Thanksgiving week after all, so it’s only fitting that we talk about gratitude. Plenty of research now suggests that gratitude has a big impact on your happiness and sense of meaning and fulfillment, so I’ll talk next week about how gratitude can also help you be more content with your income, your lifestyle, and your place in the world as it relates to money. 

And if you haven’t already, be sure to check out my YouTube channel - True North Retirement, where I cover a wide variety of retirement planning topics - everything from whether or not you should pay off your mortgage before you retire to understanding the lifetime gift tax exclusion to inherited IRA rule changes for 2020. 

That’s it for this week! Thanks for listening and I hope you have a blessed Sunday! 

My name is Ashley Micciche and this is the “One Minute Retirement Tip”.

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