Greg Kitchin of Consolidated Planning

Greg Kitchin of Consolidated Planning Helping Individuals, Families & Business Owners Preserve Wealth, Reduce Risk, and Plan for the Future. I help people have confidence in their finances.

My wife told me to quit my job.Not suggested. Told.I'd been talking about it for three years. Coming home drained. Sitti...
06/08/2026

My wife told me to quit my job.
Not suggested. Told.

I'd been talking about it for three years. Coming home drained. Sitting in two hours of traffic while our daughter learned ballet without me. Stepping on a scale and not recognizing the number.

I kept waiting for the right time. She stopped waiting for me.

"If you don't do this now, you're going to regret it forever. We'll figure it out."

She said that while staring at the same spreadsheet I was.

$2,310 mortgage. $2,837 for two kids in daycare. Grocery bills that felt like a second mortgage payment.

She knew what she was saying. She knew what it meant. She said it anyway.

She'd already done the math. Not the retirement projections or the savings runway. The other math. The one where she calculated how many more months of watching me disappear she could handle before something broke that wouldn't come back.

She wasn't being reckless. She was being strategic about something more important than the spreadsheet.

The first few months were hard. Income went to zero. I was building a practice from nothing while she held everything else together.

She never once said "maybe you should go back."

Not when the savings dropped. Not when the clients were slow. Not when our friends looked at us like we'd lost our minds.

She'd already decided this was worth it before I had the courage to agree with her.

She's the reason any of this exists.

Most people think I took a risk.
I didn't.
She did.

"Nobody's ever told me I had time before."He said that on a Thursday night, three months after his company shut down.42 ...
06/05/2026

"Nobody's ever told me I had time before."
He said that on a Thursday night, three months after his company shut down.

42 years old. Director of operations. $275K salary. Wife. Three kids: 5, 8, and 11.

He called me the day it happened. I could hear his kids in the background. He stepped outside to talk.
"How long do we have?"

Between savings, her income, and the severance package, they had about seven months before anything got tight.
Not comfortable. But not a crisis either.

He went quiet. Then: "Nobody's ever told me I had time before."

He'd spent 15 years saying yes to roles he didn't want. Staying in jobs that drained him.

Seven months of runway changed the question from "who will hire me fastest?" to "what do I actually want to do next?"

He turned down two offers that paid more than his old job. Both would have put him back on the same treadmill.

Four months in, he took a role that paid $235K. Local. No travel. Home by 5:30 most days.

His wife told me something a few weeks after he started.

The kids hadn't seen him make dinner before. Now he was doing it three nights a week. His 11-year-old started sitting at the counter while he cooked. Not talking about anything in particular. Just being there.

3 days old. His son was in open-heart surgery.He was lingering in the kitchen after we finished. Clearly needed to talk....
06/04/2026

3 days old. His son was in open-heart surgery.

He was lingering in the kitchen after we finished. Clearly needed to talk.

Home is over 3 hours away. UVA was the best hospital for their son. The Ronald McDonald House gave them a place to stay.

His wife had been discharged that morning. She was resting upstairs.

He told us how not having to worry about food or housing let him be strong and present for his family.

All we did was make a meal.

The kitchen had been loud and boisterous while we cooked. That conversation left us speechless as we walked through the parking lot.

Norah was the youngest in the kitchen by a long shot. Five years old, surrounded by a group of dads in over their heads cooking dinner for the 44 people staying there. But she had a job, and she was doing it.

A lot of laughing. A lot of "is this done?" and "where's the baking sheet?" and a small person keeping us all in line.

I want her to grow up understanding what it means to show up for people.
The joy she got from helping in that kitchen tells me she might already.

27 years in the making.The vibes are immaculate!
06/03/2026

27 years in the making.
The vibes are immaculate!

He missed 14 bedtimes in March.I know because his wife counted.39 years old. Regional sales director. $310K last year be...
06/01/2026

He missed 14 bedtimes in March.
I know because his wife counted.

39 years old. Regional sales director. $310K last year between base, commission, and bonus. Two kids, four and seven. On a plane every Monday morning, home Thursday night if the week went well. Friday if it didn't.

His 401(k) was maxed. Brokerage account growing. College funds started for both kids.

Financially, he was doing everything right.

His wife brought it up in our second meeting. Not angry. Tired.
"He keeps saying one more year. He said that two years ago."

I asked him what the number was. The amount where he'd feel safe enough to slow down.

He didn't have one.

When there's no number, there's no finish line. You just keep running.

So we built one. Ran every scenario. What does life look like at $250K with no travel? What does it look like at $200K in a local role? What happens if he shifts entirely and takes a pay cut for a position ten minutes from the house?

Every version worked. Not one of them required him to keep flying out on Mondays.

He sat with it. Then he said something I think about a lot.

"I've been optimizing for a retirement I might not enjoy with the people I'm ignoring to get there."

He took a local role two months later. Pay cut of about $60K.

His wife told me bedtimes are different now. He does the voices when he reads to them. She said she forgot he did that.

There's a temporary construction sign in my neighborhood that says DO NOT PASS.Every single time I drive by it I think t...
05/29/2026

There's a temporary construction sign in my neighborhood that says DO NOT PASS.
Every single time I drive by it I think the same thing.

Missed opportunity.

So I fixed it.
YOU SHALL NOT PASS.

Gandalf didn't spend thousands of years becoming a wizard to have his best line downgraded to a traffic sign with no personality.

The city of Charlottesville can send me a bill.
It was worth it.

I told him to turn down a $40,000 raise.41 years old. Two kids. Just offered a promotion.I asked him to walk me through ...
05/28/2026

I told him to turn down a $40,000 raise.
41 years old. Two kids. Just offered a promotion.

I asked him to walk me through what changes with the role.

More travel.
Three, sometimes four days a week on the road.

"How many of your kids' games do you make right now?"

"Almost all of them."

Long pause.

"Would you be willing to work until 70 if it meant being home while the kids were still growing up?"

No hesitation.

"Absolutely. I've just blinked and they're halfway to college already."

I pulled up his plan. On track. Slightly ahead, actually.

"You just answered your own question. And the good news is you don't have to work until 70. You're already where you need to be."

So he turned down the promotion.
Some thought he was crazy.
Most people in his life were envious.

He had something solid enough to look at a $40,000
raise and know exactly what he'd be trading it for.

He already knew. We just made sure the math backed it up.

What a view.6th row at MSG. Right next to Spike Lee. Game 1 of the Eastern Conference Finals.Too bad it wasn't mine.My b...
05/22/2026

What a view.

6th row at MSG. Right next to Spike Lee. Game 1 of the Eastern Conference Finals.

Too bad it wasn't mine.

My buddy's sister got hooked up through work. I got sent this photo and I could practically smell the court.

My seat was a couch in Charlottesville with my wife and dog, trying not to wake up my kids.

She had Spike Lee ten feet away. I had my dog looking at me like I'd lost my mind.

Knicks are up 2-0 in the ECF and I don't care where you're watching from. This team is special right now.

(And I am not jealous of those seats. I am absolutely, completely, 100% not jealous. I'm fine.)

I am an irrational person.I manage other people's money and I can barely manage my own groceries.Last night I ordered ta...
05/21/2026

I am an irrational person.
I manage other people's money and I can barely manage my own groceries.

Last night I ordered takeout with a fridge full of food about to go bad.
I have upgraded my that was working fine because a newer version existed.
I said yes to a project when my plate was already full because saying no felt harder than saying yes.
I post unflattering pictures of myself on professional platforms.

I have an engineering degree. I think in systems. I love data and logic and spreadsheets.

None of that stops me from being human.

The couple who gets a pay raise and suddenly "needs" a bigger house when their family fits fine in the one they have.

The guy who won't give up the car lease he can't afford because giving it up feels like going backwards.

The daughter who won't sell the stock her dad left her even though it's been tanking for two years. Because selling it feels like letting go of him.

None of those are math problems, they're emotional ones.

We all do this.
Make the decision with our gut, then build the case with our brain.

So I stopped trying to out-discipline my own wiring.

Every dollar that comes into my household gets routed before I see it. Savings, retirement, kids' accounts, mortgage. All automatic. All on the day income hits. By the time money lands in my checking account, every important thing is already handled.

So when I order takeout instead of cooking the chicken in the fridge, I don't feel guilty about it. That's spending money. The system already did its job.

I'm not more disciplined than anyone else. I just stopped asking myself to be.

I quit my job while paying $2,837 a month for daycare.My friends thought I was insane.But my wife didn't. She looked at ...
05/19/2026

I quit my job while paying $2,837 a month for daycare.

My friends thought I was insane.

But my wife didn't. She looked at me and said, "You've talked about this for 3 years. If you don't go for it now, you'll regret it forever."

She wasn't wrong. But she also wasn't looking at the spreadsheet.

$2,310 mortgage.
$2,837 for two kids in daycare.
$8,000 in berries to get those kids to actually eat.

I had a six-figure salary. I walked away from it. Not for more money or a promotion. My income went to zero.

I walked away because I was sitting in traffic for two hours a day while my daughter learned ballet without me.
I walked away because I stepped on a scale and didn't recognize the number.
I walked away because my kids started eating dinner without me every night.
So I opened my own financial planning practice. For families like mine.

The ones earning more money than ever but wondering where it all goes.
The ones who don't want to pass down their weird money habits and insecurities to their kids.
The ones in the trenches right now.

Because nobody helped us when we were in the hard part. And I remember what that felt like.

Address

400A Water Street E
Charlottesville, VA
22902

Opening Hours

Monday 9am - 4:30pm
Tuesday 9am - 4:30pm
Wednesday 9am - 4:30pm
Thursday 9am - 4:30pm
Friday 9am - 4:30pm

Telephone

+14342523345

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