Make Your Money Make $ense

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Make Your Money Make $ense Tom teaches his clients how to save money, grow money and then legacy it to the next generation

Getting life insurance isn't necessarily a “set it and forget it” decision.Because life doesn't stay the same.You get ma...
10/26/2026

Getting life insurance isn't necessarily a “set it and forget it” decision.
Because life doesn't stay the same.
You get married. Have kids. Buy a home. Start a business. Take on new responsibilities. Pay off old debts. Your goals change.
And somewhere along the way, the life insurance policy you put in place years ago may no longer reflect the life you're living today.
That's why I think a periodic review is worth having.
A few things I would want to look at with you:
• Has your family changed?
• Have your financial responsibilities changed?
• Are your beneficiaries still correct?
• Do you understand the coverage you currently have?
• Have your goals for the policy changed?
• Does the amount of coverage still make sense for your situation?
And here's something I think is important:
Reviewing your policy doesn't automatically mean you need a new one.
The goal is to understand what you currently have and determine whether it still aligns with your needs.
If it does, great.
If something has changed, then we can talk about your options.
So here's my question:
When was the last time you actually looked at your life insurance policy?
If your answer is “I honestly don't remember,” 📩 send me a message. Let's take a look together.

Life has a way of changing while we're busy living it.You get married.Buy a home.Have kids.Change jobs.Start a business....
10/23/2026

Life has a way of changing while we're busy living it.
You get married.
Buy a home.
Have kids.
Change jobs.
Start a business.
Your income changes. Your responsibilities change. Your goals change.
But sometimes the financial decisions we made years ago just keep sitting there untouched.
That's why I think it's important to check in every once in a while and ask:
Does what I have in place today still make sense for the life I'm living now?
That might mean reviewing your life insurance coverage.
Looking at what you're doing for retirement.
Checking your beneficiaries.
Revisiting your goals.
Or simply taking inventory of what you have and making sure you actually understand it.
A review doesn't automatically mean you need to change something.
Sometimes it confirms you're comfortable with where you are.
Sometimes it uncovers questions you didn't know you had.
Either way, your financial strategy should reflect your life today—not just the life you had when you first put it together.
📩 When was the last time you reviewed yours?
If it's been a while, send me a message. I'm happy to start with a conversation.

One of the questions I get about life insurance is:“How much coverage do I actually need?”There's no single number that'...
10/21/2026

One of the questions I get about life insurance is:
“How much coverage do I actually need?”
There's no single number that's right for everyone, but one simple way to start thinking about it is the DIME method.
D — Debt
What debts would you want taken care of?
I — Income
If your income suddenly disappeared, how much would your family need replaced—and for how long?
M — Mortgage
What would it take to pay off the remaining mortgage?
E — Education + Everything Else
Think about education, final expenses, an emergency fund and other financial needs your family may have.
Add those pieces together and you can begin getting a clearer picture of the financial responsibility you're trying to protect.
And here's something important:
This isn't about picking the biggest number possible.
It's about taking an honest look at your life, your responsibilities and the people who depend on you.
If you've never calculated your life insurance needs—or it's been a while since you did—I'd be happy to walk through the DIME method with you.
📩 Send me a message and let's start the conversation.

When you're building a life together, you're usually building a financial life together too.The mortgage. The monthly bi...
10/19/2026

When you're building a life together, you're usually building a financial life together too.
The mortgage. The monthly bills. The kids. The future plans. Even the things one person contributes to the household that don't come with a paycheck.
That's why I believe life insurance is a conversation couples should have together.
If something happened to one of you, what would the other person suddenly be responsible for?
Could one income cover the household?
What debts would still need to be paid?
What would caring for the kids look like?
And how much coverage would actually be needed to help keep the life you've built moving forward?
The answer may not be the same for both of you—and that's okay.
There are different types of coverage, including term and permanent life insurance, as well as individual and joint policies. Each works differently, and what's appropriate depends on your needs, goals, budget and circumstances.
The important part is understanding your options before your family needs the protection.
If you and your spouse have never had this conversation—or it's been a few years since you've reviewed your coverage—I'd be happy to help you take a look.
📩 Send me a message and let's talk.

Fired up for Tre's IHP class this morning with my bestie!
10/17/2026

Fired up for Tre's IHP class this morning with my bestie!

Making more money can solve some problems.But it doesn’t automatically answer questions like:Where should my money be go...
10/17/2026

Making more money can solve some problems.
But it doesn’t automatically answer questions like:
Where should my money be going?
Am I prepared for the unexpected?
Am I doing anything today to prepare for later?
Do I understand the financial tools I already have?
Are there options I haven’t considered because nobody has ever explained them to me?
Those questions matter whether you’re just getting started or you’ve been earning a good income for years.
Because earning is only part of the equation.
What you do with what you earn matters too.
And that doesn’t mean you need to know everything about finance. It means taking the time to learn, ask questions, and understand your options before making decisions.
That’s the kind of conversation I enjoy having.
No judgment. No expectation that you should already know the answers.
Just an opportunity to learn something that could help you make more informed decisions about your money.
📩 Have a financial question you’ve been meaning to ask? Send me a message. Let’s talk about it.

For a lot of my life, I knew how to work hard.I’ve spent years as a general contractor, and still am. I teach yoga. And ...
10/14/2026

For a lot of my life, I knew how to work hard.
I’ve spent years as a general contractor, and still am. I teach yoga. And like a lot of people, I figured if I kept working, kept earning and kept moving forward, I was doing what I was supposed to do.
But eventually I realized something:
Working hard and having a financial strategy aren't the same thing.
You can be great at making money and still have questions about what to do with it.
You can own a successful business and still wonder if you're preparing well for the future.
And you can do everything you were taught was “right” and still discover there are financial concepts and options nobody ever explained to you.
That's a big part of what eventually led me here.
I started learning.
Then I realized how many other hardworking people had the same questions I did.
Today, I want to help people understand their options, ask better questions and make financial decisions with more information behind them.
Because working hard matters.
But it's also important to know what all that hard work is building toward.
📩 If that sounds familiar, let's have a conversation.

“I’ll start when I have more money.”I understand why people think this way.When you’re earning more…When the bills settl...
10/12/2026

“I’ll start when I have more money.”
I understand why people think this way.
When you’re earning more…
When the bills settle down…
When the kids are older…
When business picks up…
When life isn’t quite so expensive…
Then you’ll figure out the financial stuff.
But there may never be a perfect time.
And getting started doesn’t have to mean making a huge financial commitment.
Sometimes getting started simply means getting educated.
Learning where your money is going.
Understanding the financial tools available to you.
Thinking about what you want the next 5, 10 or 20 years to look like.
And asking questions about things nobody ever really taught us.
You don’t need to have a fortune before you start learning how to make your money work with more purpose.
Start where you are. Learn what you can. Then make informed decisions about what comes next.
That’s what Make Your Money Make $ense is all about.
📩 If you’ve been putting off the financial conversation because you think you’re “not there yet,” send me a message. Let’s start with a conversation.

When people hear the words “financial freedom,” I think it’s easy to picture some huge number sitting in a bank account....
10/10/2026

When people hear the words “financial freedom,” I think it’s easy to picture some huge number sitting in a bank account.
But that’s not necessarily what it looks like.
For one person, it might mean retiring comfortably.
For someone else, it could mean traveling more, spending more time with family, growing a business, helping their kids or grandkids, or simply having enough breathing room that an unexpected expense doesn’t throw everything off course.
That’s why one of the first things I want people to think about isn’t:
“How much money do I need?”
It’s:
“What do I want my money to make possible?”
Because once you know what you’re building toward, you can start learning about the financial tools and strategies that may help you get there.
Your answer doesn’t have to look like anyone else’s.
So I’m curious…
What does financial freedom look like to you?
Drop yours in the comments—or 📩 send me a message if you’d rather have the conversation privately.

10/07/2026

I spent a lot of years in construction, and one thing was pretty obvious:
You don’t use the same tool for every job.
You wouldn’t grab a hammer when you need a tape measure. And you wouldn’t expect a screwdriver to do the job of a drill.
I think about money in a similar way.
Saving for an emergency, preparing for retirement, protecting your family, building for the future—these aren’t necessarily the same job.
So why would we automatically expect one financial tool to accomplish all of them?
Part of building a financial strategy is understanding what different tools are designed to do, how they work, and where they may—or may not—fit into your goals.
You don’t need to know everything overnight.
But you should understand the tools in your toolbox.
That’s a big part of why I do what I do: helping people learn, ask better questions, and make informed decisions about their financial future.
📩 Want to learn more about the options available to you? Send me a message and let’s start a conversation.

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