How to take control of your finances

There’s a group of contractors that eat every day on the job site for lunch.

When Monday afternoon rolled around, Mark, one of the contractors, gathered at the usual spot, opened his lunch pale, and pulled out a ham sandwich.

He exclaimed, “Not a ham sandwich!”

Mark shrugged his shoulders and continued to eat his sandwich.

When Tuesday afternoon arrived, Mark sat down in the same area, reached into his lunch pale, and pulled out a ham sandwich.

In an irritated voice, he cried,  “Darn…another ham sandwich…”

Mark rolled his eyes and reluctantly ate his meal.

When Wednesday’s lunch hour hit, Mark strutted into the same lunch area, sat down at his normal spot, and opened his lunch pale…

“Darn it, not another ham sandwich…” Mark groaned.

Bill, another contractor, blurted out, “why don’t you have your wife make you something different?”

Mark looked up and sheepishly replied, “I make my own lunch every day…”

Are you happy with your ham sandwich?

You see, in all areas of life, we make our own form of “ham sandwiches” or current situations.

Our past daily decisions and choices have shaped our current circumstances. I’ve found so many households make their own ham sandwiches when it comes to personal financial planning.

They are unhappy or frustrated with their finances, but yet they continue to put themselves in the same economic situation.

It isn’t your fault though. The majority of people are never shown how to properly manage their spending habits, banking, debt, credit, and investments.

After all, how to secure your finances was most likely not taught to you when you are growing up. It wasn’t for me.

Because of this, most individuals go through life living paycheck by paycheck. They barely scrape by every month and do not have enough funds saved up in case of any emergencies.

If we simply started budgeting or effectively communicating our goals to our spouse, we’d be in a much better financial position in life.

Is it time for you to make yourself something new?

Here’s the deal.

I’m here to show you it doesn’t have to be that way.

If you are tired of being stressed out or worried about money—let’s talk.

A solid financial strategy is goal-focused and planning-driven. A failed financial strategery is emotion-driven and market-focused. Some people struggle and don’t learn how to appropriately control their finances until much later in life. Other folks never grasp how to do it and spend their whole lives unhappy or stressed about not having enough money.

That’s why hiring a knowledgeable advisor can be a smart move you can make for your long-term economic health. Human nature is hardwired to fail from emotional-based decisions.

Having someone that will help you avoid making a bad emotional decision and keep you accountable can be essential to get you to where you want to be.

Give me a call and we can set up a time that works with your schedule. We’ll chat about where you want to be in 20 years and craft a financial roadmap to get you there.

A few small changes today could make all the difference for tomorrow.

So, are you ready to stop making yourself a ham sandwich?

Max Clifford

Author: Max Clifford

Max manages a comprehensive financial practice, where he focuses on providing integrated financial strategies to medical professionals, business owners, and people with occupations in various technology-based fields.

Max is a Registered Representative and Investment Advisor Representative of Securian Financial Services, Inc. and CRI Securities, LLC.

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