What would you do if you could do anything?

In the summer, I try to take time off and spend as much of it as I can with my family.

I’m an experiential type of guy. So I believe in spending your money while you can, on the experiences you want to have with your friends, your kids, your grandkids, and all the important people in your life.

I don’t just want you to spend your money, I want you to spend your money spending time with the people you care about.

I’m going to be honest with you, my personality is all about family and friends.

During the holidays, it’s our house that’s full of joy and cheer and laughter, because everybody gathers here together. That’s what I prioritize.

If you prioritize that, too, great. But maybe you’re thinking about something else, or maybe you have other people in your life you want to spend your time with.

I believe you need to have some sort of hobby, some sort of interest, some sort of plan for how you want to fill your days with purpose and passion.

That’s a lot to think about when you retire. So it’s easier to think about it ahead of time.

Entrepreneurs in the trades are so involved in their business day to day that they often don’t look outside their four walls and get good advice.

And they can end up looking at a big check, or looking for a big check, and realizing that they wouldn’t know what to do with it anyway.

I know that can sound ridiculous. 

Of course you know what to do with a lot more money in your pocket. You know what you’d spend it on.

But do you know what you’d spend your time on?

If you want to experience as much time with the people you love, for as long as you can, it helps to start thinking about how you’d spend it as soon as possible. Before you suddenly have to decide, make the decision about what you’re aiming for. 

And what a great day for you looks like. 

And who is there with you.

Financial freedom doesn’t always have to be as hard as it sounds, or as hard as you think it should be. It can be simpler if you have a strategy and a game plan and someone in your corner to guide you.

That’s our job: to understand where you are today, and where you want to get to in the future.

And then we create clarity around that and work to get everybody on the same page.

Let us know if we can help you have those conversations, and help you make that plan.

So you have it before you need it.

– Michael

Book a JobWalk with me and we can start the conversation.

Interested in other Rungs? Check out:

• The full Ladder here or the audio edition here

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HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.