Sharing more of what is on my mind with the hope it guides you to self-reflect for 2025 and get ready for 2026. When you have intentional reflection it is impressive when you realize how long a year truly is! Happy NEW YEAR!

With the news and potential about a 50 year mortgage option, I wanted to share some of my thoughts on how this can impact the market and you as a consumer making financial decisions about your living situation.

In a world where we see extremes all around us, try not to fear this volatility. Take a deep breathe, prepare, and be ready for the opportunity to come.

Whatever your idea is take a step this week because anyone who takes a small actionable step today is always further ahead than the person who is still waiting for the perfect time.

Bringing on not only another Ratner but another Ben Ratner. Ben has a background in media and I loved hearing his outlook on richness and how media can impact us daily. Listen in for a great tip about how to stay out of the social algorithms and rabbit holes.

Today we talk about mental health, why pain isn’t a competition, and how surface-level “How are you?” check-ins are hurting real connection. True richness comes from genuine care, deeper conversations, and building relationships that matter.

Society Norms are stealing from people everyday. Growing up and being a young adult in today's world is extremely difficult. We have unrealistic expectations and we will continually be behind the curve for financial freedom if we keep comparing ourselves to those around us. Find peace in your life and don't compare yourself to those around you.

Today we battle with rising costs in all aspects of our life. We spend an extra $2 here, $50 a month there, and so on. We have our comforts and conveniences that may only cost us $5 a day but really they cost us a million in retirement.

Students loans can lead to financial stress later in life. Having thoughtful conversations can result in smarter decisions allowing you more financial opportunity later in life.

Don't let anyone else tell you how to invest, grow, and be better. Find richness in yourself and building your standard and meaning of what rich is to you.