Uzume LLC, 3710 University Drive, Ste 105, Durham, NC (2026)

We may not transact business in states where we are not appropriately registered, excluded or exempt from registration. Individual responses to persons that involve either the effecting of transactions in securities or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

11/19/2023

𝗗𝗢𝗡’𝗧 𝗕𝗟𝗔𝗠𝗘 𝗬𝗢𝗨𝗥 𝗠𝗢𝗡𝗘𝗬, 𝗧𝗛𝗘 𝗜𝗡𝗡𝗢𝗖𝗘𝗡𝗧 𝗕𝗬𝗦𝗧𝗔𝗡𝗗𝗘𝗥

It was a very loud THUNK.

I was at the gas pump, minding my business, when someone driving past hit my car.

And then kept moving, headed for the car wash next door.

𝗜 𝗿𝗮𝗻 𝗮𝗳𝘁𝗲𝗿 𝗶𝘁, 𝘆𝗲𝗹𝗹𝗶𝗻𝗴 𝗮𝗻𝗱 𝘄𝗮𝘃𝗶𝗻𝗴 𝗺𝘆 𝗮𝗿𝗺𝘀.

When the car finally stopped, the Little Old Lady (for real!) rolled down her window and stared at me as though I were possessed by demons. (To be fair, I was panting, and with my long hair streaming behind me in a tangled mess, must have looked like a Japanese ghost.)

𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁 𝘄𝗲𝗻𝘁 𝗱𝗼𝘄𝗻:

Me (pi**ed off): “You hit my car!”

Little Old Lady (looking puzzled): “I didn’t hit anything.”

Me (getting madder): “Look, lady, that’s my car, the red golf wagon at the gas pump. You hit me when you drove past. Didn’t you hear it?”

Little Old Lady (looking around for someone to validate): “I didn’t hear anything.”

Me (eyebrows to my hairline): …

Little Old Lady (blinks a couple of times): “You must have been too close.”

I was the one who was PARKED.

She was the one who was MOVING.

Of course, it was my fault.

I must have gotten too close to her BY NOT MOVING AT ALL. 🤦🏻‍♀️

𝗜𝘁 𝘄𝗮𝘀 𝗹𝗶𝗸𝗲 𝘁𝗵𝗲 𝗽𝘂𝗻𝗰𝗵𝗹𝗶𝗻𝗲 𝘁𝗼 𝗮 𝗯𝗮𝗱 𝗷𝗼𝗸𝗲.

In the end, there was no damage, as she’d only knocked my side view mirror askew. (I am of the catch the perpetrator first, then figure out the charges later school of life. 🤣)

This life imitating art moment got me thinking, though.

𝗜𝘁’𝘀 𝗵𝘂𝗺𝗮𝗻 𝗻𝗮𝘁𝘂𝗿𝗲 𝘁𝗼 𝗯𝗹𝗮𝗺𝗲 𝘁𝗵𝗲 𝗯𝗹𝗮𝗺𝗲𝗹𝗲𝘀𝘀. 𝗟𝗶𝗸𝗲 𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆.

We are the ones at the wheel, yet when we hit our net worth, we blame our money, not our driving.

Never mind spending more than we earn.

Never mind that sure thing of a meme stock.

Never mind the lease on that fancy car.

𝗬𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗯𝗲 𝘁𝗵𝗮𝘁 𝗟𝗶𝘁𝘁𝗹𝗲 𝗢𝗹𝗱 𝗟𝗮𝗱𝘆.

If you’re in the habit of denting your net worth, DM me. I can help.

******

Uzume LLC is a registered investment adviser in the state of North Carolina. We may not transact business in states where we are not appropriately registered, excluded or exempt from registration. Individual responses to persons that involve either the effecting of transactions in securities or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

11/11/2023

I was not invited to join the 8th-grade girls’ secret society.

You know, the one where you learn how to apply lipstick, how to french kiss without being grossed out, and how to wear thongs comfortably (is that even possible?). As a result, I have always felt Dustin Hoffman in 𝘛𝘰𝘰𝘵𝘴𝘪𝘦 is a more credible woman than I am, especially when I try to walk in high heels.

That’s why I am a lamb being led to financial slaughter whenever I belly up to a makeup counter.

𝗜 𝘀𝘂𝗿𝗿𝗲𝗻𝗱𝗲𝗿 𝗺𝘆 𝘀𝗼𝘃𝗲𝗿𝗲𝗶𝗴𝗻𝘁𝘆 𝘁𝗼 𝘁𝗵𝗲 𝗲𝘅𝗽𝗲𝗿𝘁𝘀 𝘄𝗶𝗹𝗹𝗶𝗻𝗴 𝘁𝗼 𝗲𝘅𝗽𝗹𝗼𝗶𝘁 𝗺𝘆 𝗶𝗻𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝗶𝗲𝘀.

I spend way too much money

on beautiful eyeshadows that will never be artfully applied,

6 kinds of creams that will never be slathered upon my woefully desiccated, large-pored, and wrinkled skin,

or the palette knives and brushes needed for the mysterious and hastily taught but never-to-be-performed-again beauty regimen.

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗧𝗠𝗜 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗱𝗼 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆, 𝘆𝗼𝘂 𝗮𝘀𝗸?

You do the same f*cking thing, except with your assets.

Yeah, you.

I am begging you –

𝗗𝗼𝗻’𝘁 𝗹𝗶𝘀𝘁𝗲𝗻 𝘁𝗼 𝘁𝗵𝗼𝘀𝗲 𝘄𝗵𝗼 𝘀𝗮𝘆 𝘆𝗼𝘂’𝗹𝗹 𝗲𝗻𝗱 𝘂𝗽 𝗼𝗻 𝘁𝗵𝗲 𝘀𝘁𝗿𝗲𝗲𝘁𝘀 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗳𝗼𝗹𝗹𝗼𝘄 𝘁𝗵𝗲𝗶𝗿 𝗮𝗱𝘃𝗶𝗰𝗲.

It’s like me “ruining” my skin by not buying sheep placenta cream that costs more per ounce than co***ne, caviar, and goldleaf combined.

𝗜𝗴𝗻𝗼𝗿𝗲 𝘁𝗵𝗼𝘀𝗲 𝘄𝗵𝗼 𝘁𝗲𝗹𝗹 𝘆𝗼𝘂 𝘁𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗳𝗮𝗱 𝗶𝘀 𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂. It’s like being told purple eyeshadow is flattering to all. (It’s not).

𝗦𝗰𝗼𝗳𝗳 𝘄𝗵𝗲𝗻 𝘁𝗵𝗲𝘆 𝘀𝗮𝘆 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲𝗶𝗿 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗰𝗼𝘀𝘁 𝗺𝗼𝗿𝗲 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝘆𝗼𝘂’𝗿𝗲 𝘄𝗼𝗿𝘁𝗵 𝗶𝘁. That’s just manipulative crap. Your self-concept does not depend on going through life overpaying needlessly for s**t.

𝗗𝗼𝗻’𝘁 𝗼𝘂𝘁𝘀𝗼𝘂𝗿𝗰𝗲 𝘆𝗼𝘂𝗿 𝘀𝗼𝘃𝗲𝗿𝗲𝗶𝗴𝗻𝘁𝘆 𝘁𝗼 𝘁𝗵𝗼𝘀𝗲 𝘄𝗵𝗼 𝘄𝗼𝘂𝗹𝗱 𝗽𝗿𝗲𝘆 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗶𝗻𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝗶𝗲𝘀.

Purchasing blunders at the makeup counter are small potatoes in comparison.

********

𝘜𝘻𝘶𝘮𝘦 𝘓𝘓𝘊 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘪𝘯𝘨/𝘤𝘰𝘯𝘴𝘶𝘭𝘵𝘪𝘯𝘨 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘵𝘰 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭𝘴 𝘢𝘯𝘥 𝘧𝘢𝘮𝘪𝘭𝘪𝘦𝘴. 𝘊𝘰𝘯𝘵𝘦𝘯𝘵 𝘰𝘯 𝘵𝘩𝘪𝘴 𝘱𝘢𝘨𝘦 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘣𝘦 𝘤𝘰𝘯𝘴𝘵𝘳𝘶𝘦𝘥 𝘢𝘴 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭𝘪𝘻𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘐𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯𝘴 𝘸𝘪𝘭𝘭 𝘷𝘢𝘳𝘺 𝘢𝘯𝘥 𝘮𝘺 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴, 𝘰𝘣𝘴𝘦𝘳𝘷𝘢𝘵𝘪𝘰𝘯𝘴, 𝘢𝘯𝘥 𝘢𝘱𝘱𝘳𝘰𝘢𝘤𝘩 𝘵𝘰 𝘮𝘰𝘯𝘦𝘺 𝘢𝘯𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘪𝘯𝘨 𝘸𝘪𝘭𝘭 𝘯𝘰𝘵 𝘣𝘦 𝘴𝘶𝘪𝘵𝘢𝘣𝘭𝘦 𝘧𝘰𝘳 𝘦𝘷𝘦𝘳𝘺𝘰𝘯𝘦. 𝘞𝘦 𝘢𝘳𝘦 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘢𝘴 𝘢𝘯 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳 𝘪𝘯 𝘕𝘰𝘳𝘵𝘩 𝘊𝘢𝘳𝘰𝘭𝘪𝘯𝘢 𝘢𝘯𝘥 𝘸𝘦 𝘮𝘢𝘺 𝘯𝘰𝘵 𝘵𝘳𝘢𝘯𝘴𝘢𝘤𝘵 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘪𝘯 𝘴𝘵𝘢𝘵𝘦𝘴 𝘸𝘩𝘦𝘳𝘦 𝘸𝘦 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘢𝘱𝘱𝘳𝘰𝘱𝘳𝘪𝘢𝘵𝘦𝘭𝘺 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘳𝘦𝘨𝘪𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯.

𝘛𝘩𝘦 𝘤𝘭𝘪𝘤𝘬𝘪𝘯𝘨 𝘰𝘧 𝘵𝘩𝘦 “𝘓𝘪𝘬𝘦” 𝘣𝘶𝘵𝘵𝘰𝘯 𝘣𝘺 𝘰𝘵𝘩𝘦𝘳 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭𝘴 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘣𝘦 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳𝘦𝘥 𝘢 𝘱𝘰𝘴𝘪𝘵𝘪𝘷𝘦 𝘳𝘦𝘧𝘭𝘦𝘤𝘵𝘪𝘰𝘯 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯 𝘰𝘧 𝘜𝘻𝘶𝘮𝘦 𝘰𝘳 𝘢𝘯𝘺 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘰𝘧𝘧𝘦𝘳𝘦𝘥 𝘣𝘺 𝘜𝘻𝘶𝘮𝘦. 𝘛𝘩𝘦 𝘤𝘭𝘪𝘤𝘬𝘪𝘯𝘨 𝘰𝘧 “𝘓𝘪𝘬𝘦”; 𝘣𝘶𝘵𝘵𝘰𝘯 𝘴𝘩𝘰𝘶𝘭𝘥 𝘰𝘯𝘭𝘺 𝘣𝘦 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳𝘦𝘥 𝘢𝘴 𝘢 𝘮𝘦𝘢𝘯𝘴 𝘵𝘰 𝘤𝘪𝘳𝘤𝘶𝘭𝘢𝘵𝘦 𝘢𝘯𝘥 𝘳𝘦𝘤𝘦𝘪𝘷𝘦 𝘶𝘱𝘥𝘢𝘵𝘦𝘴 𝘧𝘳𝘰𝘮 𝘜𝘻𝘶𝘮𝘦 𝘷𝘪𝘢 𝘍𝘢𝘤𝘦𝘣𝘰𝘰𝘬. 𝘞𝘦 𝘸𝘰𝘶𝘭𝘥 𝘢𝘱𝘱𝘳𝘦𝘤𝘪𝘢𝘵𝘦 𝘪𝘵 𝘪𝘧 𝘷𝘪𝘴𝘪𝘵𝘰𝘳𝘴 𝘵𝘰 𝘵𝘩𝘪𝘴 𝘍𝘢𝘤𝘦𝘣𝘰𝘰𝘬 𝘱𝘢𝘨𝘦 𝘢𝘷𝘰𝘪𝘥 𝘱𝘰𝘴𝘵𝘪𝘯𝘨 𝘱𝘰𝘴𝘪𝘵𝘪𝘷𝘦 𝘳𝘦𝘷𝘪𝘦𝘸𝘴 𝘰𝘧 𝘵𝘩𝘦𝘪𝘳 𝘦𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦𝘴 𝘸𝘪𝘵𝘩 𝘜𝘻𝘶𝘮𝘦 𝘢𝘴 𝘵𝘩𝘢𝘵 𝘤𝘰𝘶𝘭𝘥 𝘣𝘦 𝘤𝘰𝘯𝘴𝘵𝘳𝘶𝘦𝘥 𝘢𝘴 𝘢 𝘵𝘦𝘴𝘵𝘪𝘮𝘰𝘯𝘪𝘢𝘭, 𝘢𝘯𝘥 𝘮𝘢𝘺 𝘯𝘰𝘵 𝘳𝘦𝘧𝘭𝘦𝘤𝘵 𝘵𝘩𝘦 𝘦𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦 𝘰𝘧 𝘢𝘭𝘭 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘰𝘧 𝘜𝘻𝘶𝘮𝘦.

11/10/2023

𝗛𝗼𝘄 𝗮 $𝟰𝟬𝟬 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗧𝘂𝗿𝗻𝗲𝗱 𝗶𝗻𝘁𝗼 𝗮 $𝟮𝟬,𝟬𝟬𝟬 𝗠𝗶𝘀𝘁𝗮𝗸𝗲

I stumbled into my mechanic’s, 1400 miles overdue for a service.

Tioga is brilliant and trustworthy but a 40-minute drive away. One life thing led to another, one delay led to another, and one excuse led to another before I finally rolled in months overdue, feeling like an ass.

Know what I mean?

It’s like when you get your teeth cleaned after not flossing for 6 months when it’s too late to lie credibly to the hygienist because they know the difference.

I couldn’t have tried to fake it with Tioga either, because the odometer doesn’t lie.

At least mine doesn’t. I can’t even change the time on the dashboard to daylight savings, much less mess with the mileage.

𝗔𝗻𝘆𝗵𝗼𝗼, 𝗜 𝗳𝗶𝗻𝗱 𝗧𝗶𝗼𝗴𝗮 𝗹𝗮𝘂𝗴𝗵𝗶𝗻𝗴 𝗼𝘃𝗲𝗿 𝗮 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝗼𝗻 𝗵𝗶𝘀 𝗽𝗵𝗼𝗻𝗲.

This is not normal. He’s a pretty intense guy.

So of course I have to ask what’s so funny, because I’m nosy that way and love a good laugh.

He shows me this: (see photo)

“𝗧𝗵𝗶𝘀 𝗶𝘀 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗰𝗵𝗮𝗻𝗴𝗲 𝘆𝗼𝘂𝗿 𝗼𝗶𝗹. 𝗔 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗳𝗶𝗹𝘁𝗲𝗿 𝗴𝗲𝘁𝘀 𝘁𝗲𝘅𝘁𝗲𝗱 𝘁𝗼 𝗮𝗹𝗹 𝘁𝗵𝗲 𝗹𝗼𝗰𝗮𝗹 𝗺𝗲𝗰𝗵𝗮𝗻𝗶𝗰𝘀,” 𝗵𝗲 𝘀𝗮𝗶𝗱.

This oil filter is so completely carbonized, it is blacker than black itself.

“WTF? How’d that happen?”

Turns out, a guy driving a $50,000 BMW decided to forego servicing his car.
Ever.

𝟴𝟬,𝟬𝟬𝟬 𝗺𝗶𝗹𝗲𝘀 𝗹𝗮𝘁𝗲𝗿, 𝗲𝗼𝗻𝘀 𝗮𝗳𝘁𝗲𝗿 𝘁𝗵𝗲 𝗼𝗶𝗹 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗹𝗶𝗴𝗵𝘁 𝗯𝗲𝗴𝘀 𝗳𝗼𝗿 𝗮𝘁𝘁𝗲𝗻𝘁𝗶𝗼𝗻, 𝘁𝗵𝗲 𝗲𝗻𝗴𝗶𝗻𝗲 𝘁𝗮𝗽𝘀 𝗼𝘂𝘁 𝗶𝗻 𝗮 𝗰𝗹𝗼𝘂𝗱 𝗼𝗳 𝘀𝗺𝗼𝗸𝗲.

It is at that point that Tioga is called in to resuscitate the patient.

But there is nothing he can do. The oil has not only carbonized the filter, it has become glued like spray paint to the inside of the engine.

𝗔 𝘄𝗵𝗼𝗹𝗲 𝗲𝗻𝗴𝗶𝗻𝗲 𝘁𝗿𝗮𝗻𝘀𝗽𝗹𝗮𝗻𝘁 𝗶𝘀 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱, 𝗮𝘁 𝘁𝗵𝗲 𝗰𝗼𝘀𝘁 𝗼𝗳 $𝟮𝟬𝗞.

All because the owner couldn’t be bothered to maintain basic automotive hygiene.

I get it.

I wouldn’t know when to take my car in if it weren’t for the mileage reminder sticker.

Making appointments for life admin can seem more daunting than climbing Mt. Everest, and besides who has the time?

And it does cost money to get your car serviced. Tioga figured the dude had skipped 4 oil changes and saved $400.

𝗕𝘂𝘁 𝘁𝗵𝗲 𝗰𝗮𝗿 𝘄𝗮𝘀 𝘁𝗲𝗹𝗹𝗶𝗻𝗴 𝗵𝗶𝗺 𝘄𝗵𝗮𝘁 𝗶𝘁 𝗻𝗲𝗲𝗱𝗲𝗱! 𝗧𝗵𝗲 𝗼𝗶𝗹 𝗹𝗶𝗴𝗵𝘁 𝘄𝗮𝘀 𝗼𝗻!

Imagine how you feel when you’re not being seen. If cars had feelings this Beamer would have stopped rolling months ago due to abuse and neglect.

I digress.

The point is, the owner IGNORED a hard-to-miss warning light.

𝗪𝗵𝘆? 𝗕𝗲𝗰𝗮𝘂𝘀𝗲 𝗵𝗲 𝗱𝗶𝗱𝗻’𝘁 𝗧𝗥𝗨𝗦𝗧 𝘁𝗵𝗲 𝘀𝗲𝗻𝘀𝗼𝗿.

So lemme get this straight.

You don’t know what to do to maintain your car AND you don’t listen to it when it tells you it needs help or will die?

“I don’t deserve to drive a car like this,” he confessed to Tioga.

All of this made me think about how easy it is to ignore obvious warning signs, especially when we don’t know what we don’t know. And not only do we not know what we don’t know, but we’re going to reject help because of a trust deficit.

𝗜 𝘀𝗲𝗲 𝘆𝗼𝘂 𝗱𝗼 𝘁𝗵𝗶𝘀 𝗮𝗹𝗹 𝘁𝗵𝗲 𝘁𝗶𝗺𝗲 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆.

You ignore the warning signs: The mounting credit card debt. The declining credit score. The expenses that outstrip income. The sure-fire investment scams. The partner or employee that steals from you.

It’s a pain to pay attention. It takes time and money, and maybe uncovering an uncomfortable truth or two.

𝗕𝘂𝘁 𝘆𝗼𝘂 𝗗𝗢 𝗱𝗲𝘀𝗲𝗿𝘃𝗲 𝘁𝗼 𝗱𝗿𝗶𝘃𝗲 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗮𝘀 𝗶𝗳 𝗶𝘁’𝘀 𝗮 𝘇𝗶𝗽𝗽𝘆 𝗕𝗠𝗪.

Like our relationships, careers, and possessions, our money needs attention, care, and proper maintenance. Get a financial check-up and lubricate your money.

𝗦𝗽𝗲𝗻𝗱 $𝟰𝟬𝟬 𝗻𝗼𝘄 𝘁𝗼 𝗽𝗿𝗲𝘃𝗲𝗻𝘁 𝗮 $𝟮𝟬,𝟬𝟬𝟬 𝗺𝗶𝘀𝘁𝗮𝗸𝗲 𝗹𝗮𝘁𝗲𝗿.

Don’t be left by the side of the road of life with smoke coming out of your financial engine.

****************

𝘜𝘻𝘶𝘮𝘦 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳 𝘪𝘯 𝘵𝘩𝘦 𝘴𝘵𝘢𝘵𝘦 𝘰𝘧 𝘕𝘰𝘳𝘵𝘩 𝘊𝘢𝘳𝘰𝘭𝘪𝘯𝘢. 𝘞𝘦 𝘮𝘢𝘺 𝘯𝘰𝘵 𝘵𝘳𝘢𝘯𝘴𝘢𝘤𝘵 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘪𝘯 𝘴𝘵𝘢𝘵𝘦𝘴 𝘸𝘩𝘦𝘳𝘦 𝘸𝘦 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘢𝘱𝘱𝘳𝘰𝘱𝘳𝘪𝘢𝘵𝘦𝘭𝘺 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥, 𝘦𝘹𝘤𝘭𝘶𝘥𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘳𝘦𝘨𝘪𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯. 𝘐𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘳𝘦𝘴𝘱𝘰𝘯𝘴𝘦𝘴 𝘵𝘰 𝘱𝘦𝘳𝘴𝘰𝘯𝘴 𝘵𝘩𝘢𝘵 𝘪𝘯𝘷𝘰𝘭𝘷𝘦 𝘦𝘪𝘵𝘩𝘦𝘳 𝘵𝘩𝘦 𝘦𝘧𝘧𝘦𝘤𝘵𝘪𝘯𝘨 𝘰𝘧 𝘵𝘳𝘢𝘯𝘴𝘢𝘤𝘵𝘪𝘰𝘯𝘴 𝘪𝘯 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴 𝘰𝘳 𝘵𝘩𝘦 𝘳𝘦𝘯𝘥𝘦𝘳𝘪𝘯𝘨 𝘰𝘧 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭𝘪𝘻𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘤𝘰𝘮𝘱𝘦𝘯𝘴𝘢𝘵𝘪𝘰𝘯, 𝘸𝘪𝘭𝘭 𝘯𝘰𝘵 𝘣𝘦 𝘮𝘢𝘥𝘦 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘳𝘦𝘨𝘪𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵𝘪𝘰𝘯.

11/08/2023

A single drop of ink will color an entire glass of water.

The same is true of your money.

𝗜𝗳 𝘆𝗼𝘂 𝗮𝗿𝗲 𝘀𝗶𝘁𝘁𝗶𝗻𝗴 𝗼𝗻 𝗮 𝗽𝗼𝘁 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆 𝘂𝗻𝗮𝗯𝗹𝗲 𝘁𝗼 𝘁𝗮𝗸𝗲 𝗮𝗰𝘁𝗶𝗼𝗻, 𝗮𝘀𝗸 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝗶𝗳 𝘁𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝗲𝗺𝗼𝘁𝗶𝗼𝗻𝗮𝗹 𝘀𝘁𝗿𝗶𝗻𝗴𝘀 𝗮𝘁𝘁𝗮𝗰𝗵𝗲𝗱 𝘁𝗼 𝗮𝗻𝘆 𝗼𝗳 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆.

Here’s what I mean:

Your bank balance may just be a digital entry in a supercomputer.

𝗕𝘂𝘁 𝘆𝗼𝘂𝗿 𝗺𝗶𝗻𝗱 𝘄𝗶𝗹𝗹 𝗺𝗮𝗸𝗲 𝗺𝗲𝗮𝗻𝗶𝗻𝗴 𝗼𝗳 𝘁𝗵𝗼𝘀𝗲 𝗱𝗼𝗹𝗹𝗮𝗿 𝘀𝗶𝗴𝗻𝘀.

Your brain will “know” some of that money is loaded:

An insurance settlement from being T-boned and almost never walking again. 𝗧𝗼𝘂𝗰𝗵𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆 𝗯𝗿𝗶𝗻𝗴𝘀 𝗯𝗮𝗰𝗸 𝘁𝗿𝗮𝘂𝗺𝗮𝘁𝗶𝗰 𝗺𝗲𝗺𝗼𝗿𝗶𝗲𝘀.

Life insurance proceeds from your spouse, who left you with two little kids and a whole future to figure out alone. 𝗬𝗼𝘂’𝗱 𝘁𝗿𝗮𝗱𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗳𝗼𝗿 𝘁𝗵𝗲𝗶𝗿 𝗹𝗶𝗳𝗲 𝗮𝗹𝗹 𝗱𝗮𝘆 𝗹𝗼𝗻𝗴.

An inheritance from a grandparent who was abusive and controlling. 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝘁 𝗳𝗲𝗲𝗹𝘀 𝗹𝗶𝗸𝗲 𝘆𝗼𝘂’𝗿𝗲 𝗮𝗰𝗰𝗲𝗽𝘁𝗶𝗻𝗴 𝗮 𝗯𝗿𝗶𝗯𝗲 to collude with the lie that nothing bad happened.

A gift from your parent who’s worked so hard for every penny, you can’t handle the responsibility of investing it, in case you lose money and 𝗳𝗲𝗲𝗹 𝘆𝗼𝘂’𝘃𝗲 𝗯𝗲𝘁𝗿𝗮𝘆𝗲𝗱 𝘁𝗵𝗲𝗶𝗿 𝗲𝗳𝗳𝗼𝗿𝘁𝘀.

𝗜𝘁’𝘀 𝗢𝗞 𝗮𝗻𝗱 𝘁𝗼𝘁𝗮𝗹𝗹𝘆 𝗻𝗼𝗿𝗺𝗮𝗹 𝘁𝗼 𝗹𝗼𝗮𝗱 𝘂𝗽 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗹𝗶𝗸𝗲 𝗮 𝗯𝗮𝗸𝗲𝗱 𝗽𝗼𝘁𝗮𝘁𝗼 𝘄𝗶𝘁𝗵 𝗮𝗹𝗹 𝘁𝗵𝗲 𝗲𝗺𝗼𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝗶𝘅𝗶𝗻𝗴𝘀 – 𝗴𝘂𝗶𝗹𝘁, 𝗴𝗿𝗶𝗲𝗳, 𝘀𝗵𝗮𝗺𝗲.

But it doesn’t have to be permanent – Here’s a quick fix:

𝗦𝗲𝗽𝗮𝗿𝗮𝘁𝗲 𝘁𝗵𝗲 𝘁𝗮𝗶𝗻𝘁𝗲𝗱 𝗱𝗼𝗹𝗹𝗮𝗿𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗿𝗲𝘀𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝘀𝘁𝗮𝘀𝗵.

Mixing “loaded dollars” with your “I-have-no-problem-investing-money-I've-earned funds” is like dropping ink in a glass of water.

It colors the whole shebang with feelings, catching perfectly innocent money in the emotional crossfire.

𝗦𝗼 𝗱𝗼 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝗮 𝗳𝗮𝘃𝗼𝗿.

Carve out the emotionally loaded money, stick it somewhere safe where it can earn decent interest, and invest the rest of your money as you normally would.

Compounding (as your money grows, it grows even faster) is a miracle of finance, but it requires time. Lots of it. The sooner you start, the better.

𝗧𝗮𝗸𝗶𝗻𝗴 𝗮𝗰𝘁𝗶𝗼𝗻 𝗼𝗻 𝙨𝙤𝙢𝙚 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗶𝘀 𝗯𝗲𝘁𝘁𝗲𝗿 𝘁𝗵𝗮𝗻 𝘁𝗮𝗸𝗶𝗻𝗴 𝗻𝗼 𝗮𝗰𝘁𝗶𝗼𝗻 𝗼𝗻 𝗮𝗹𝗹 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆.

Good enough is better than never done.

You’ll figure out how to thaw out your frozen money. (I can help.)

𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿, 𝗽𝗲𝗿𝗳𝗲𝗰𝘁𝗶𝗼𝗻𝗶𝘀𝗺 𝗮𝗻𝗱 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗱𝗼𝗻’𝘁 𝗺𝗶𝘅:

There is no one right way.

Course corrections are not only inevitable, they are desirable.

Risks MUST be taken, and risks inevitably entail 𝘴𝘰𝘮𝘦 loss.

But to risk nothing is to choose the riskiest path.

Cut yourself some slack.

Carve out the emotionally laden dough and let it rise on its own.

**************

𝘜𝘻𝘶𝘮𝘦 𝘓𝘓𝘊 𝘪𝘴 𝘢 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘴𝘦𝘳 𝘪𝘯 𝘵𝘩𝘦 𝘴𝘵𝘢𝘵𝘦 𝘰𝘧 𝘕𝘰𝘳𝘵𝘩 𝘊𝘢𝘳𝘰𝘭𝘪𝘯𝘢. 𝘞𝘦 𝘮𝘢𝘺 𝘯𝘰𝘵 𝘵𝘳𝘢𝘯𝘴𝘢𝘤𝘵 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘪𝘯 𝘴𝘵𝘢𝘵𝘦𝘴 𝘸𝘩𝘦𝘳𝘦 𝘸𝘦 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘢𝘱𝘱𝘳𝘰𝘱𝘳𝘪𝘢𝘵𝘦𝘭𝘺 𝘳𝘦𝘨𝘪𝘴𝘵𝘦𝘳𝘦𝘥, 𝘦𝘹𝘤𝘭𝘶𝘥𝘦𝘥 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵 𝘧𝘳𝘰𝘮 𝘳𝘦𝘨𝘪𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯. 𝘐𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘳𝘦𝘴𝘱𝘰𝘯𝘴𝘦𝘴 𝘵𝘰 𝘱𝘦𝘳𝘴𝘰𝘯𝘴 𝘵𝘩𝘢𝘵 𝘪𝘯𝘷𝘰𝘭𝘷𝘦 𝘦𝘪𝘵𝘩𝘦𝘳 𝘵𝘩𝘦 𝘦𝘧𝘧𝘦𝘤𝘵𝘪𝘯𝘨 𝘰𝘧 𝘵𝘳𝘢𝘯𝘴𝘢𝘤𝘵𝘪𝘰𝘯𝘴 𝘪𝘯 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴 𝘰𝘳 𝘵𝘩𝘦 𝘳𝘦𝘯𝘥𝘦𝘳𝘪𝘯𝘨 𝘰𝘧 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭𝘪𝘻𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘤𝘦 𝘧𝘰𝘳 𝘤𝘰𝘮𝘱𝘦𝘯𝘴𝘢𝘵𝘪𝘰𝘯, 𝘸𝘪𝘭𝘭 𝘯𝘰𝘵 𝘣𝘦 𝘮𝘢𝘥𝘦 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘳𝘦𝘨𝘪𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘰𝘳 𝘦𝘹𝘦𝘮𝘱𝘵𝘪𝘰𝘯.

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