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The $58,000 Latte Habit

Creating a habit of saving is hard, really hard.  It requires discipline and few people enjoy discipline.  But your daily disciplines (or lack thereof) can have a profound impact on your future.

Consider the daily latte.  The average medium latte at Starbucks costs $3.65 assuming you don’t “doctor” it up with extra flavors, different milks, etc. That cost is pre-tax. We know that $3.65 can add up, but what does it add up to?  Let’s look at some simple math behind a latte habit.  The chart below illustrates the future value of that cup of coffee, depending on your consumption.

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Brannon Brown

Brannon Brown

Brannon is a financial advisor with LPL Financial and also serves as the team’s wealth manager. He joined Prosperion Financial Advisors in 2004. In addition to being a Certified Financial Planner® (CFP) and an Accredited Portfolio Management Advisor®, Brannon has a Master’s degree in Leadership from Denver Seminary. He is passionate about helping clients make wise, informed, investment and financial planning decisions. He is married to the love of his life, Melanie, and is the proud father of his son, William. When not working with clients or spending time with family, Brannon enjoys being in the outdoors of the Colorado high country, skiing, fly fishing, and exploring wild country.

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It’s Just the Road

In the last few days stocks have taken a beating.  Volatility has finally returned after a near two year hiatus.  Friday February 2nd saw the largest single one day drop in the Dow Jones Industrial Average history.  The following Monday (Feb. 5th) saw some of the largest intraday swings in history, ranging from down over 500 points on the Dow to closing up over 500 points, with several corrections along the way.  Hopefully you were wearing your proverbial seat belt.

Many investors are calling this a “top”, the beginning of the next great recession, the last stop on the “Bull Market Express”, or even the end of the road. But here is the reality… it’s just the road. This is not the end of the road. This is not even a bump in the road. It’s just the road. History tells us that market’s do this. They move up, they move down. They trend sideways. They are at times, irrational.

So let’s put all of this recent activity in perspective.

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Brannon Brown

Brannon Brown

Brannon is a financial advisor with LPL Financial and also serves as the team’s wealth manager. He joined Prosperion Financial Advisors in 2004. In addition to being a Certified Financial Planner® (CFP) and an Accredited Portfolio Management Advisor®, Brannon has a Master’s degree in Leadership from Denver Seminary. He is passionate about helping clients make wise, informed, investment and financial planning decisions. He is married to the love of his life, Melanie, and is the proud father of his son, William. When not working with clients or spending time with family, Brannon enjoys being in the outdoors of the Colorado high country, skiing, fly fishing, and exploring wild country.

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Joy and the Successful Investor: The Upward Spiral

Joy. A concept very hard to define but easy to recognize. You can’t always put your finger on it but you know it when you see it and it’s abundantly clear when you feel it. Often, too, it is unexpected. Like the other day when my son learned how to ride his bike. I watched him smile from ear to ear as he mastered balancing, and then heard him laugh hysterically as he pumped his little legs to sail through the school yard sprinklers. That was unexpected joy and it swelled inside my chest.

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Brannon Brown

Brannon Brown

Brannon is a financial advisor with LPL Financial and also serves as the team’s wealth manager. He joined Prosperion Financial Advisors in 2004. In addition to being a Certified Financial Planner® (CFP) and an Accredited Portfolio Management Advisor®, Brannon has a Master’s degree in Leadership from Denver Seminary. He is passionate about helping clients make wise, informed, investment and financial planning decisions. He is married to the love of his life, Melanie, and is the proud father of his son, William. When not working with clients or spending time with family, Brannon enjoys being in the outdoors of the Colorado high country, skiing, fly fishing, and exploring wild country.

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Feed Your Focus. Starve Your Distractions

As investors there are thousands of things to distract us from our goals and the plans we create in an effort to accomplish them.  Daily living, marketing, and the widespread adoption of mobile devices and social media have made it increasingly difficult to remain focused.  Often, it is difficult to even know where to focus, much less maintain it over it time.  But I’ve come up with a little reminder that I like to review from time to time, and I want to share it with you.

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Brannon Brown

Brannon Brown

Brannon is a financial advisor with LPL Financial and also serves as the team’s wealth manager. He joined Prosperion Financial Advisors in 2004. In addition to being a Certified Financial Planner® (CFP) and an Accredited Portfolio Management Advisor®, Brannon has a Master’s degree in Leadership from Denver Seminary. He is passionate about helping clients make wise, informed, investment and financial planning decisions. He is married to the love of his life, Melanie, and is the proud father of his son, William. When not working with clients or spending time with family, Brannon enjoys being in the outdoors of the Colorado high country, skiing, fly fishing, and exploring wild country.

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