Managers Vs. Makers in Retirement

In a 2009 essay that was very influential in business circles, Paul Graham of Y Combinator tried to figure out why workers at different levels of the same organization struggled to stay on the same meeting schedule. His conclusion was that you could break jobs down...

Your Questions Answered: Should I Pay Down My Mortgage?

Last month we completed a Second Opinion consultation for Gloria. Gloria had accumulated extra money in her checking account and had extra money available each month to put toward additional savings. She asked if she should pay down her mortgage with those funds or...

1% Better?

Would you like to achieve a 37X change in your life by this time next year? According to productivity expert James Clear — and a little bit of math — that’s how big of an impact just a 1% daily improvement can make over time. Of course, the reverse...