Fisher Wealth Creations - Wealth Creations Education and Tax Coach

02/20/2026

Just like in 2018, I'm letting my clients know how much their taxes have been reduced from the Trump/GOP tax reductions. This year it's the OBBBA. A senior will typically save $720. Married seniors $1,440.
Had one client get taxes reduced $3700+ on overtime pay.

02/17/2026

Just the Facts. Most married seniors will get minimum $1,440 tax reduction.
Had a client with OT reduced taxes $3700+
This is real money.

02/05/2026

Friends can bring out the best in us. But sometimes they can also bring out the worst. Especially when it comes to overspending on social occasions.

When we're out with our friends, we often want them to think of us as successful, so we might agree to meet at an expensive restaurant, or even vacation together at a pricey resort. We want to appear so prosperous that money isn't something we have to think about. So, we generously pick up the tab.

But later, we feel remorse as we're paying off high interest credit card debt or putting our long-term saving goals on pause to get our finances back on track.

It's called social spending. And while it affects people of all ages, it especially impacts those under 40. A recent survey by Ally Bank found that nearly 60% of Gen Z and millennials have had their financial goals affected by social spending. And members of these two cohorts also report that they regularly overspend on their social budgets.1

CNBC spoke on this topic with "Emmy," a 31-year-old living in Los Angeles, who found herself caught in a cycle of maxing out credit cards, paying them off, and then running up balances again. The cause was her habitual overspending when she went out with friends.

These relationships were important to Emmy and she eventually realized she didn't have to stop getting together with these friends if they could find cheaper ways of hanging out. But the idea of bringing this up with them was daunting. What if they looked down on her for letting financial considerations affect her social life?

But things went better than expected. Not only did Emmy's friends not judge her for her need to control spending, but they appreciated her honesty.

Real friends support your goals. And as Emmy demonstrated, if you communicate your need to control spending in terms of a positive outcome you're trying to achieve (like paying off high interest debt), your true friends will feel positive about helping you.

Relationships are the most precious things we have in this life and so worthy of spending money on. Getting together with friends is important enough that you should make space for it on your calendar and in your budget.

Working toward your long-term financial goals doesn't mean denying yourself the things that make life worth living along the way. It just means making them part of your plan.

As your trusted advisor we're here to help you achieve lasting financial health. We'll continue to refine your unique plan for success while holding you accountable to take each step required to achieve your goal.

01/18/2026

01/03/2026

12/13/2025

12/09/2025

10/27/2025

Dentistry has come a long way in making us feel more comfortable in the chair. From the latest methods for reducing discomfort to the soothing spa-like environment, everything has been done with the intention of putting us more at ease.

And yet all of this can't eliminate one of the biggest reasons people avoid dental care: shame. It's embarrassing to be told that you haven't been taking good care of your teeth.

While embarrassment is a complex emotion that's difficult to measure, researchers have identified it as a leading cause in avoiding dental care.1

No matter how nicely the dentist tries to phrase it, hearing about the consequences of bad dental habits causes people to reflect poorly on their own self worth. They think, "What kind of person fails at basic oral hygiene?"

No wonder they avoid checkups and their minor problems become major ones.

This negative cycle of shame and avoidance can also be a significant barrier to good financial health.

Nathan Astle, a marriage and family therapist who specializes in financial issues, has found that even the best practical steps, like budgeting, paying off debt, and meeting savings goals can all be undermined by self-distrust.

"In my work as a financial therapist," writes Astle, "I've seen time and time again how deeply people struggle to trust themselves with money. Not because they lack intelligence or willpower, but because they carry the weight of past mistakes . . ."2

In his practice, Astle has seen that a little guilt can be helpful. If someone has overspent or purposely missed a payment, they shouldn't feel good about that behavior. However, a financial mistake (or two) should not define who they are. When they make a bad decision, they should feel free to admit it and then move on to do better.

It's important to remember that, in money matters, nobody is perfect. Making a bad decision should not disqualify you from actively pursuing financial wellness.

Astle recommends two significant things people can do to build self-confidence around money: Increase their financial literacy. And talk with someone they trust.

As your financial advisor, we are eager to help you with both. The better you understand how your unique plan is functioning to achieve your investment and retirement goals, the more confident you'll be in your participation. And when you talk with your advisor to flesh out the big why in your life after work, the more motivated you'll be to pursue that dream.