Building Wealth & Legacy with Joi

06/10/2026

Most people think financial planning starts with numbers.
It doesn’t. It starts with you — your story, your family, your purpose.

Before we talk about money, I want to know the person behind the goals. Because your financial plan should reflect your life — not the other way around.

If someone asked you to describe yourself in three parts — family, career, and purpose — what would you say?

Let's chat!!

06/05/2026

National Homeownership Month isn't just about buying a house.

It's about what a home represents inside a larger financial life.

For current homeowners, that might mean thinking about how your home connects to your broader goals. For those still renting, it might mean revisiting the timeline and understanding what steps could move things forward.

Either way, housing is one of the biggest financial decisions most people make—and it deserves more than a passing thought once a year.

If you'd like to talk through how your home fits into your bigger financial picture, I'm always happy to have that conversation.



Source: Fred.StLouisfed.org, October 1, 2025

06/03/2026

Here's a number worth sitting with: as of late 2025, the U.S. homeownership rate stands at 65.7%.

That's roughly two out of every three households.

And it's held steady—even through elevated mortgage rates and shifting market conditions.

What that tells us is that homeownership is still deeply woven into how Americans build their financial lives. It remains one of the most common ways families create memories and connect with the community.

If you're among those two-thirds, this month is a good moment to reflect on what that decision has meant for your household. If you're working toward it, know that millions of others have walked that same road.



Source: Census.gov, September 9, 2025

06/01/2026

June is National Homeownership Month—a time to recognize what homeownership means to millions of Americans.

It's more than a roof and four walls. For many families, it's where milestones happen. First steps, first dinners around your own table, the feeling of pulling into a driveway that's yours.

According to a 2025 Coldwell Banker survey, 85% of Americans still consider owning a home a key part of the American Dream.

That says something.

Whether you've owned for decades or you're still working toward it, this month is about honoring that aspiration and the meaning behind it. 🏡



Sources:
ColdwellBanker.com, November 10, 2025
Realtor.com, December 29, 2025

05/29/2026

Think your zodiac sign has something to say about your spending style? ✨

Aries through Leo are featured here—showing off everything from bold choices to budget quirks. Just for laughs, so no hard feelings if the stars call you out 😅

Swipe through and tag your zodiac twin 👀

👇 Did we nail it?

05/29/2026

Ever wonder if your zodiac sign influences your money moves? 😅 ✨

Virgo through Pisces are in the spotlight this time—each with their own quirks. This is all in good fun, so don’t @ us if your slide feels a little too real 🙃

Swipe through and tag a friend who matches their sign 👀

👇 Which one are you?

05/27/2026

Auto debt continues to climb as higher vehicle prices and interest rates put pressure on household budgets.

A recent report found that total auto debt reached $1.68 trillion at the end of 2025, up 37% from late 2018. Nearly 86 million Americans, or about 1 in 4, now carry auto loan or lease debt.

Monthly payments have also increased. The typical auto loan payment rose from about $506 in 2018 to more than $680 by the end of 2025.

Several factors are contributing to the shift, including higher vehicle prices, fewer lower-cost new car options, and longer loan terms. More buyers are also taking on larger monthly payments, with $1,000 auto loan payments becoming more common for financed new-vehicle purchases.

For many households, higher transportation costs can affect other parts of the budget, including groceries, rent, savings, and emergency funds.

These trends highlight how vehicle affordability can play a larger role in everyday financial decisions.


Source:

Auto debt has swelled to $1.68 trillion, a new analysis finds. Americans face costlier vehicles, higher interest rates and lengthier loan terms.

05/25/2026

Today, we pause to honor the brave men and women who gave their lives in service to our country. Their sacrifice reminds us of the values we stand on — courage, commitment, and the legacy we build for those who come after us.

As we remember our fallen heroes, may we also hold close the families who carry their stories forward. Your strength is seen, respected, and deeply appreciated.

Wishing you a day of reflection, gratitude, and connection with the people who matter most.

05/22/2026

After years of saving and preparing, some retirees hesitate to spend.

That's understandable.

But retirement isn't only about preserving what you've built. It's about using it to support the life you want to live.

The first year isn't a test.

It's a transition.

And it's okay to take it one step at a time.

If you'd like to talk through what this season looks like for you, we're here.

05/20/2026

Retirement gives you time.

A lot of it.

And while that sounds freeing, it can also feel overwhelming at first.

When you're working, much of your day is structured. In retirement, you decide what today looks like.

Some people find it helps to create a little rhythm:
▪️A weekly volunteer day
▪️Lunch with friends
▪️A standing class
▪️Mornings reserved for exercise or hobbies

Not to recreate work — just to have something to look forward to.

Freedom often feels better with a little shape.