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Greg Kitchin of Consolidated Planning

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Greg Kitchin of Consolidated Planning

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Make enough to retire at 50, on track to work until 75? I fix that

11/03/2026

I don’t think anyone has ever said, “You know what? I really wish every candidate and campaign would text me 20 times a day. I’m so glad that happened, and that barrage of texts and phone calls really swayed me.”

Regardless of your political views, I hope voting is quick and easy for you today. And I hope you enjoy the post-election silence your phone is about to experience.

Whatever happens, we’re all in this together.

Let's just all be excellent to each other.

11/02/2026

I’ve got nothing important to share today.

It’s a teacher work day, the kids are home, and I’m trying to keep my weekday posting streak alive.

So here’s my Ghostbusters jack-o-lantern. I’m prouder of it than I have any right to be. It’s pretty mediocre. But I’m a math guy, not an artist, so I think it’s great!

The one with the glasses is Norah’s design.

10/30/2026

"I'm scared of putting money in the market at an all-time high."

I get it. The news is loud, and waiting for a better day sounds like the careful move.

The video covers three ways to stay calm anyway. They all come back to one idea: a plan you set ahead of time beats a gut feeling at 11 p.m.

When’s the last time a headline made you want to change your plan?

10/29/2026

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 still walked away from a six-figure salary.
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.

10/28/2026

Your IRA might not be invested at all.

In Vanguard’s research, 55% of investors who contributed directly to an IRA still held cash a year later.

That same research found 28% of rollovers were in cash too.

An IRA is just a container. When money lands in it, it often waits there until someone picks something to invest in.

You’ve done the hard part to save it, but it’s not actually working for you. You may as well be stuffing it under the mattress.

The video walks through three places to check. Step one is just logging in, and the whole thing takes about five minutes.

When did you last log in and look at what your IRA actually holds?

10/26/2026

Don’t let your dreams be dreams.
Let them be pizzas.

Dream big. Order bigger.

10/21/2026

If something happened to you, your family could end up out of the house within 6 months.

That’s not me guessing. In LIMRA’s 2026 Insurance Barometer, 47% of Americans said they’d have trouble paying living expenses within 6 months if their primary wage earner died.

That means uprooting the kids’ lives right in the middle of the most traumatic experience of their lives.

The stats paint a scary picture. 48% say they have no life insurance at all.

Zero. None

27% of those insured only have the coverage their employer provides.

That might sound like a lot until you realize your family’s whole life runs on that salary.

And it’s tied to the job. Lose your job and that coverage typically goes with it. Back down to zero.

Do you know what your family's runway is if something happened to you?
This video walks you through 3 steps to find out.

10/20/2026

33 years old. Steady paycheck. Good title on the door. Two hours in the car every day just to reach it.

A daughter born into lockdown, in a town where I knew almost no one, even after years of living there.

No family nearby, no community built, and no name in that town anyone would’ve recognized.

vs

35 years old. Drop off every morning. Home for dinner every night. At every single swim meet. ALWAYS have time to roast s'mores.

Built a business that I’m proud of, in the same town I’d technically lived in for a decade, with a community around me that actually knows my name now.

Friends who would literally run into a burning building for each other. (and have proven it)

No boss deciding when I see my kids. No two hours a day handed to a highway.

A daughter who thinks “helping people find their money when they lose it” is my actual job.

What’s the commute, the title, or the routine you’d trade back if you could?

10/19/2026

I need to issue a correction to last week’s post immediately.

My daughter has informed me that she is definitely NOT 5 years old. She is 5 and a half!

(She’s actually 5 and ten months but I’m not winning that argument)

I sincerely want to apologize to anybody who may have been hurt by this grievous error. I can’t take away your pain and suffering, but I am doing my best to correct course.

Without further ado, here is the corrected post:

“My 5-and-a-half-year-old has started calling me bro.
Send help. Please.”

Misinformation on social media is a blight on our society and I am ashamed to have contributed to it.

I promise to do better next time.

10/16/2026

Nearly half of people earning $300,000+ say they're broke.

That's what Goldman Sachs reports.

They surveyed people and found that 40% of people earning $300k or more say they are living paycheck to paycheck

I believe it.

I’ve seen a $30,000 raise only result in an extra $400 saved six months later. The other $2,500 a month got absorbed before they noticed.

They thought the raise would change everything but they only felt further behind.

That's why I automate my clients’ cash flow. It’s a one-time setup, and the default becomes saving. It works without anyone having to take a single action, which is the point, because willpower stops mattering.

The video walks through the three parts, and a slow month ends up feeling exactly like a good one.

Suddenly, any increase in lifestyle becomes a conscious decision.

How much of your last raise can you actually point to?

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

Website

https://www.cplanning.com/, https://www.livingbalancesheet.com/lbsVision/lite/gregkitchin

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