Victory Financial Services

02/12/2026

Call me if you are interested in a Medicare Supplement. 940-567-5700

01/16/2026

WAYS ON HOW TO MAKE YOUR MONEY WORK FOR YOU

Intentionally set aside money for investing

If you don't purposefully save money, then you're likely to have less of it to invest that could potentially grow.

Budgeting could help, especially if you build investing into your plan. If you’re following a budget, there's less of a chance you'll spend money you don't have on hand.

Consider signing up for your employer's retirement plan or HSA, and automating savings into those accounts. If your employer doesn’t offer a retirement plan, redirecting money from a checking account to an investing or savings account is another way that works well.

I welcome the opportunity to help you achieve your goals.

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01/15/2026

WAYS ON HOW TO MAKE YOUR MONEY WORK FOR YOU

Don't give in to volatility

When you invest and the market goes up, your portfolio might follow. If the market goes down, your portfolio might be down too, and it could make you want to pull your money out. But heading for the exits too early could hinder long-term growth.

Bear in mind Wall Street history: Bull markets, when the market is going up, tend to last longer (median 42 months) than bear markets (median 19 months).

While volatility can be unsettling, being uninvested could be worse for your wealth. Research has shown that missing just the 5 best days in the market between 1980 and 2023 could have reduced portfolio returns by as much as 37%.

Unless something major changes in your life, stay invested and remain on track according to your long-term plan.

I welcome the opportunity to help you achieve your goals.

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01/14/2026

HOW TO MAKE YOUR MONEY WORK FOR YOU

Give money enough time in the market

You can't expect your investments to grow exponentially overnight. In fact, you might not notice any growth from day to day, particularly with lower-risk investments. A lack of short-term gains might tempt you to cash out.

But over the long term, you might benefit from compounding, or when earnings on your money also earn money. That's why it's about time in the market, not timing the market to predict when it's best to sell or buy: The longer you're invested, the longer compounding has a chance to do its thing.

Don't allow your money to retire on you, make it work!

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01/13/2026

Send a message to learn more

01/13/2026

Managing money isn't just about spending vs. saving. Making the right financial moves could also help make your money work for you without too much effort.

Investing appropriately could boost your wealth more than keeping money in safer places, such as a low-interest-bearing savings account.

You might as well stash your money under a mattress if you're not holding it in a high-yield savings account, investing it through a brokerage account, or keeping it in another account that could come with higher earnings. Sure, keeping your money in cash gives you more control over it, but it reduces the chances of it growing.

In day to come, we will be discussing additional ways that can assist you in building your financial future.

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09/11/2023

04/14/2023

And, finally, we come to No. 5.

Reframe Your Life

Holding on to stress and anxiety eats away at your wellbeing and happiness. Surely, this is not how you prefer to live? What will it feel like to approach money stress differently by owning your feelings and naming the problem instead of internalizing it?

Using these simple tools can help you reframe your approach to money anxieties. It won’t automatically solve all of your financial worries, but the strength and resiliency you gain from learning how to navigate them better can be a welcome change for your mental and money health.

The sooner we all learn to believe that money, viewed and used in a manner that fulfills the needs of you and your family, the sooner we can all rest easier with a clear path to financial security.

04/13/2023

For day 4, we'll play the "Opposite Game".

As an experiment to combat the problem of money stress, what would it look like, to you, to play the ‘Opposite Game’ for a day?

Imagine for every negative thought you have surrounding money, you simply say the opposite. “I’m broke” becomes “Here’s what I do have.” Or “Today is really terrible” becomes “What’s one small thing today that’s good?”

What small everyday things are in your power to change? These adjustments don’t have the power to solve all of your financial problems, but they do have the power to help you cope with those problems in a more productive, efficient, and less corrosive way.

Even in the darkest of financial moments, the only thing you can realistically change is how you approach your feelings towards it.

With finances, as with life itself, attitude drives everything. And the best thing about attitude is that you get to choose your attitude toward any situation!

I'll be back her tomorrow. I hope you will too.

04/12/2023

Day 1 was Stop Negative Thoughts; day 2 was Own Your Feelings, and now to day 3.

Name The Problem

You are not the problem. The problem is the problem.

Too often, we think that we are the problem, which makes it easier to get down on ourselves. By naming the problem, this can help remove yourself from the equation so you can gain more clarity about how the problem affects your life.

This is no different with financial challenges. Let’s say for a long time you’ve not been able to save money and you blame yourself. “I’m terrible at saving money. I’m never going to be any good at it.” What kinds of feelings and behaviors do you think these thoughts will transform into?

What if instead you could name this problem as something outside of yourself? What would you call this problem? Is it the ‘expectations’ problem’? The ‘not having enough’ problem? What would it feel like to name the problem as a color, a weather pattern, or a character? The Gray Blob, the Financial Storm Cloud, or the Money Phantom that raids my bank account and robs me of happiness?

Notice how you feel when you say this statement: “I’m terrible at saving money. I’m never going to be any good at it.”

Now notice how you feel when you say it this way: “The Money Phantom is robbing me of my happiness. But I don’t have to let the Money Phantom rob me.”

Even if the Money Phantom sounds silly, you are no longer aiming blame and negative talk at yourself. By reframing the problem as the culprit instead of you, you free yourself from the burden of self-inflicted blame and judgment.

Check back tomorrow to see what Day 4 brings!

04/11/2023

Yesterday, we began this week's theme on Five Ways to Reduce Money Stress by starting with step one titled, "Stop Negative Thoughts".

Today, we're moving to step two, "Own Your Feelings"

It’s hard to be vulnerable. It’s hard to say you hurt, or feel isolated, sad, anxious, or depressed.

A strange thing happens though when I get my clients to voice their fears and own them: although the process is usually emotionally intense, a sense of peace often comes over them and their thought patterns and behaviors begin changing soon after.

Whether it’s individuals, couples, or families – once people can openly own their feelings, an optimism begins to build in them. What was once hidden on the inside is now forever on the outside. Feeling seen and heard, as opposed to internalizing your feelings, can do wonders for your mental health.

Naming your fears and owning your feelings lets you honestly express your emotions instead of denying that they’re having an effect on you. While it might seem uncomfortable, awkward, or even embarrassing to say you’re struggling with money stress, once you open up about your struggles, others can feel more comfortable sharing how they’ve been struggling, too.

The stress of not talking about the problem – this negative energy – has to have an outlet somewhere in your life. Sometimes it comes out in anger and blame. Other times it comes out in unhealthy behaviors, such as eating or drinking too much, or low self-worth and esteem.

To help alleviate this energy and make your life less stressful, it’s important to know how to articulate your fears.

Check back tomorrow for step three.