Byron Moore, CFP® and Mike Jones

Wisdom on Wealth

How do I develop discipline when I’ve never had it before?

By Byron Moore, posted June 19, 2017
Originally published in the News Star and the Shreveport Times on Sunday, June 18, 2017.
 

Discipline Freedom_sm.jpgQ: How does a person develop discipline when they have never had it before? This applies to many areas of my life, but money is a big one. I’ve just never been disciplined enough to make much progress financially. To be honest I wish I could just wave a magic wand and have it done for me.

A: There are no short cuts or magic tricks that will make you instantly disciplined.

Podcast - How to start saving money (2:54)

By Byron Moore, posted June 15, 2017

The following segment first aired on KEDM 90.3.

The best way to start saving money…is to start. Then keep going. Then don’t rob the bank. 

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Will my early retirement mean long-term worries?

By Byron Moore, posted June 12, 2017
Originally published in the News Star and the Shreveport Times on Sunday, June 11, 2017.
 

budget math.jpgQ: Our grandchildren live in another state and we are seriously considering moving to be closer to them. Work is stressful and I’d love to be done with it sooner than later. How do we know if we are ready to retire early?

A: Today’s stress always feels heavier than yesterday’s worries or tomorrow’s woes.

Will Social Security be there when I retire?

By Byron Moore, posted June 4, 2017
Originally published in the News Star and the Shreveport Times on Sunday, June 5, 2017.
 

SSA money_dm.jpgQ: Should I plan on Social Security being there for me when I retire?

A: Yes, if you are a worker covered by Social Security, you’ll receive a monthly income from Social Security when you retire.

Podcast - Begin with the end in mind (2:32)

By Byron Moore, posted June 1, 2017

The following segment first aired on KEDM 90.3.

Wealth has only a few ultimate uses. All money gets spent one day. What’s your plan now for spending yours later?

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Working for a living or living to work?

By Byron Moore, posted May 30, 2017
Originally published in the News Star and the Shreveport Times on Sunday, May 28, 2017.
 

Life Work_sm.jpgQ: I think I've made a terrible mistake. I'm in my mid 50s and my adult son just came to me and told me he feels like he's lost his father. We used to go fishing and hunting all the time, but then work picked up and I really did give up everything else to focus on that. His words cut me pretty deep, but I know he's right. So how does a workaholic like me slow down enough to live life, but still work hard enough to make enough to live on and save?

A: It sounds like you're figuring out why you are alive.

It’s a good idea to ask yourself on a regular basis, "Am I working to earn a living or working to earn meaning?" You sound as if you're at one of those inflection points in your life. If so, here are a few things to consider:

Podcast - Dream home built on foundation of good habits (2:18)

By Byron Moore, posted May 18, 2017

The following segment first aired on KEDM 90.3.

Sometimes the best mortgage for you is the one you don’t take out.

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Talent is overrated

By Byron Moore, posted May 10, 2017
Originally published in the News Star and the Shreveport Times on Sunday, May 7, 2017.
 

Talent_sm.jpgQ: The most difficult thing in my business is finding talented people. Everybody’s a superstar on their resume, but when they come in for an interview it’s a different story. How do you find talented people?

A: Unicorns and all-stars are often hard to come by. In fact, I wouldn’t waste my time looking for either.

Podcast - Gambling with Monte Carlo simulations in retirement (2:43)

By Byron Moore, posted May 4, 2017

The following segment first aired on KEDM 90.3.

Are Monte Carlo simulations worthless for use with investment accounts? No. Just limited.

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Practice a physician paradigm with any advisor

By Byron Moore, posted May 1, 2017
Originally published in the News Star and the Shreveport Times on Sunday, April 30, 2017.
 

wellness_sm.jpgQ: I’m thinking about leaving my broker. He had a hot hand for a while, but it seems like he’s lost his touch here lately. Aside from asking friends, any tips for finding one?

A: Before you change brokers, you might want to change your paradigm.

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