Strong emergency savings and thoughtful debt strategies are critical for staying secure and flexible through life’s changes. And financial security begins with two foundational habits: building emergency savings and managing debt effectively. While these areas may not be the most glamorous, they form the essential groundwork for achieving all other financial goals. Emergency Savings: Your…

By Doug Reed How to regain control after a layoff—and design a smarter path to retirement A new year always gives us permission to pause. To breathe. To take stock. But if you’ve gone through a layoff—or you’re worried one could be coming—that pause isn’t just symbolic. It’s necessary. At Life By Design 360, we…

By Doug Reed The start of a new year has a way of waking people up. Suddenly, we’re motivated to eat better, clean out the garage, or finally tackle that stack of unopened mail on the kitchen counter. But for many people, the real questions show up around money. Am I on track? Am I…

We all say we want to save more and spend less. The key is to think more broadly. By Annabelle Williams for WSJ January is often thought of as a blank slate, a white canvas on which to paint a new self. For me, it’s an opportunity to establish some balance in my life. It’s the…

By Robyn A. Friedman Did you lose your job this year and receive a severance payment for which taxes are due? Maybe you inherited money or earned more than expected and face a bigger tax bill than you planned for. Or perhaps you’re just looking to reduce the taxes you’ll have to pay on this year’s…

The festive season is a time of joy, family gatherings, and giving, but it can also bring a significant financial burden. With the right strategies, however, it’s possible to enjoy Christmas without breaking the bank. Here are some tips to help you save some of your hard earned money and manage your finances during the…