03/23/2026
He felt that he wasn’t saving enough.
So I told him to save less.
Each week he felt that his family was living paycheck to paycheck and making no progress.
When went through his budget sheet he wasn’t spending an excessive amount.
Yet why was there no money?
He was working 40 hours a week!
Where was it all going?
Turns out, he was maxing out his 401k.
He was locking in all his dollars till he turned 60 years old so he had nothing for his day to day.
So it's no wonder his paychecks were not what he felt he should have been getting.
His family had zero liquidity.
After some education on the power of liquidity, it became apparent that they needed to make a change.
When he first came to me, I’m sure he was expecting me to tell him to save more.
To cut costs or make sacrifices.
Yet he ended up saving less in different places.
Positions that gave him more access to his dollars to better his family's life.
If you think a 401k is a financial plan, please think again.
You lock in your dollars till age 60 and have a huge tax burden once you get there.
If you have 10-15 minutes and would like to find ways to have more liquidity, let's talk.
