Why Are Kids So Expensive These Days?

We’re often invited to speak to student groups about financial planning and I like to end with a few pieces of advice that apply to almost everyone, including a list of the biggest financial mistakes someone can make. Number one on that list is having children, which always solicits a few chuckles when we speak […]

Debt Analysis

The Ballast Atheneum is a collection of our thoughts on the twelve most important topics in financial planning. Today, the focus is on DEBT.   Debt. It’s a subject that not many people really enjoy talking about, but it’s a reality for nearly all of us. Whether it’s “good” debt in the form of a […]