Tag: investing

Why You Shouldn’t Wait to Secure Your Family’s Future

by Mothersense, posted in Uncategorized

💪 Building My Business, Building My Purpose

When I left teaching, I knew I wasn’t walking away from helping people—I was just searching for a new way to do it. For me, that path revealed itself after experiencing several painful losses in my own life. Each time, I watched how unprepared families were—emotionally, financially, and practically—for the death of their loved ones.

It left me asking one question over and over:

How could something so inevitable catch so many of us off guard?

Enter Financial Services 💰

That’s when financial services came into my life. Life insurance, securities, and even PLPP (Pre-Paid Legal Plans)—things I never really thought about before—suddenly became more than “policies” or “products.”

They became tools to protect families. They became the way I could help others in some of their hardest moments.

And I’ll be honest—at first, I thought:

“Well, even if this business doesn’t take off, at least the education is free, and my family will be protected.”

But the deeper I went, the more I realized this wasn’t just about me. This was about helping families sleep better at night, knowing they wouldn’t be left scrambling, arguing, or making impossible decisions in the middle of grief.

I’ve Been There

I know what it’s like when you lose a parent or a loved one and suddenly you’re left making decisions you never thought you’d have to make.

  • Who gets Grandma’s cookbooks?
  • What about Mom’s jewelry?
  • How do you cover the bills when your whole world has just been turned upside down?

Everyone means well, but emotions run high, and without a plan in place, chaos often takes over.

That’s why I believe so strongly in what I do. This business is about more than money—though yes, it helps to earn an income while building a career.

What matters even more is the peace of mind that comes from knowing I can help someone else avoid that pain and confusion.

Don’t Wait ⏰

If there’s one message I want to get across, it’s this: don’t wait.

  • Don’t wait to have a power of attorney drawn up.
  • Don’t wait to write your will.
  • Don’t wait to protect your family with life insurance or build your future with smart investments.

These conversations are tough, but they are necessary.

Where to Start

Start with a financial needs analysis. Sit down with a financial planner or coach—someone who will listen, guide, and help you see where your money is actually going.

From there, create a budget that doesn’t just cover today but also secures tomorrow. Whether it’s:

  • Saving for retirement
  • Planning for travel
  • Ensuring your paycheck lasts beyond a few days

…you can make your money serve you—instead of you always serving it.

My Mission

This is more than a business to me. It’s my mission.

If even one family is spared the heartache of being unprepared because of the work I do, then I know I’m exactly where I’m supposed to be.

👉 Ready to take the first step? Let’s sit down for a financial needs analysis and create a plan that protects your family and builds your future.

📩 Reach out today and let’s get started. 254-677-7510 text or voicemail

Transform Your Finances: The Benefits of a Financial Needs Analysis

by Mothersense, posted in Uncategorized

Money and Mental Health: Why a Financial Needs Analysis is a Game Changer

Let’s be honest – money isn’t just about paying the bills. It’s about peace of mind. And if you’ve ever stayed up at night worrying about whether you’re saving enough, paying off debt fast enough, or protecting your family in case something unexpected happens, you know how quickly finances can affect your mental health.

For many of us, money stress is right up there with juggling work, kids, and daily life. It’s one of those “silent strains” that shows up as anxiety, tension in relationships, or even a feeling of being stuck. On the flip side, when you feel financially secure, everything else feels just a little lighter – your shoulders drop, you breathe easier, and you can actually think about the future with excitement instead of dread.

Why It’s About More Than Budgeting

Now, don’t get me wrong – budgeting is important. But real financial confidence goes way beyond simply tracking expenses. You need a clear picture of your entire financial life: what’s working, what needs attention, and how to make your money start working for you.

That’s where a Financial Needs Analysis (FNA) comes in. Think of it like a wellness check-up for your finances. It’s not about judgment or telling you to skip your morning coffee; it’s about looking at your financial health as a whole.

Here’s what an FNA usually covers:

  • Cash Flow Review – Where your money comes in, and where it sneaks out.
  • Debt Strategy – Finding the smartest way to tackle debt without sacrificing your sanity.
  • Protection Planning – Do you have the right insurance in place to protect your family if life throws you a curveball?
  • Savings & Investments – How to start growing your money, even if it’s just a little at a time.
  • Retirement Planning – Making sure the future version of you is taken care of.

Why Everyone Needs One (Yes, Even You)

You don’t need to be rolling in cash to benefit from a financial needs analysis. In fact, the earlier and more often you do it, the stronger and more confident you’ll feel about your money.

Here’s what it can give you:

  • Less Stress: Clarity brings calm. Knowing where you stand is half the battle.
  • Protection: Safeguard what you already have — your income, your home, your family’s future.
  • A Growth Plan: Your money should be working just as hard as you are. An FNA shows you how.
  • A Roadmap: Instead of reacting to money problems, you’ll be following a plan that fits your goals and lifestyle.

From Surviving to Thriving

When you tackle your finances with a full-picture plan, you’re not just taking care of dollars and cents — you’re taking care of your mental health and your family’s future. The relief you’ll feel knowing you’re on the right path is priceless.

So here’s the truth: whether you have a little money, a lot, or you’re somewhere in between, a Financial Needs Analysis is for you. It’s not just about budgeting. It’s about protecting what matters, preparing for the unexpected, and putting your money to work so it supports the life you’ve always wanted.

Because at the end of the day, financial peace of mind isn’t just about money — it’s about living with confidence and freedom.

✨ Takeaway: Don’t wait until stress takes over. Get your financial check-up. Your bank account (and your mental health) will thank you.

Simplify Your Financial Journey with a Free Needs Analysis

by Mothersense, posted in Uncategorized

I have been feeling pretty good today and decided to be extra and do another blog post. It will clue you in on what I have been working on besides my physical and mental health. Trust me, with a chronic health condition, you start to worry about finances, looking at insurance options, staring down the barrel of “retirement age” and what all of that means and definitely “what if the worst happens?” So keep reading and I will give you some insight.

Getting Your Finances on Track — One Step at a Time

When it comes to money, most of us aren’t looking for a sales pitch—we’re looking for clarity. Whether you’re drowning in bills or sitting on some savings and wondering if it’s really working for you, the idea of sitting down for a financial review might sound overwhelming. But here’s the truth: no matter where you are on your financial journey, a free Financial Needs Analysis (FNA) can be a game-changer.

I work with families and individuals every day who are trying to make sense of it all—budgeting, paying down debt, saving for the future, and protecting what matters most. As a licensed Primerica representative, my job isn’t to sell you something you don’t need. It’s to help you get your financial house in order, starting with the basics.

Why a Financial Needs Analysis?

Think of the FNA as a roadmap. It takes a full view of your current financial situation—income, expenses, debt, insurance, savings—and helps identify areas where you can improve. Even if you’re not sold on the idea of buying term life insurance and investing the rest (a strategy we believe in because of its flexibility and potential for growth), this analysis still provides real, actionable insight into your finances.

Here’s what we’ll cover together:

  • Budgeting: Let’s find out where your money is going and how to make it go further.
  • Debt payoff strategies: Whether it’s credit cards, student loans, or other debt, I can show you how to develop a plan to eliminate it faster.
  • Emergency savings: We’ll talk about realistic ways to build your safety net.
  • Protection: If something unexpected happens—like a death or illness—you need to be sure your family is financially secure. I can help you assess your life insurance needs and see what’s already in place.
  • Estate planning basics: It’s not just for the wealthy. Everyone should have a plan for their family and their legacy.
  • Home and auto coverage: I have access to partners that can help you review and potentially improve your existing coverage.
  • Retirement and investment review: Already saving for the future? Let’s make sure that money is working for you, not just sitting in an underperforming account.

No Pressure. Just a Path Forward.

Let’s be honest—finances can be intimidating. But with the right guidance and tools, it becomes manageable. And more importantly, it becomes empowering. The goal isn’t to push a product—it’s to partner with you to make informed decisions about your money, with clarity and confidence.

So whether you feel completely stuck or you think you’ve already got everything figured out, take advantage of the free Financial Needs Analysis. You might be surprised at what we uncover and how simple some solutions can be.

Let’s connect. Partner with me and let’s take that first step toward financial peace of mind- TOGETHER.

Love and light y’all!

February Focus: Emotional Wellness and Financial Health

by Mothersense, posted in Uncategorized

Can you believe it’s finally February? The month of new beginnings, fresh energy, and a chance to hit the reset button. After January’s burst of “new year, new me” energy, February feels like the perfect time to dig into the quiet work of getting ourselves on track for the long haul. Let’s talk about what we can focus on in 2025 to set the tone for a healthier, wealthier, and more balanced life.

1. Feeling the Feelings and Being Gentle With Ourselves

First and foremost, February is a time to check in with yourself. It’s easy to get caught up in the hustle, but we have to remind ourselves that the journey is just as important as the destination. If the past month has been full of ups and downs—whether it’s the pressure to “get it all together” or just the stress of regular life—it’s okay to take a breath. We don’t have to be perfect.

Take some time this month to check in with how you’re feeling. Whether it’s journaling, meditating, or simply sitting in quiet reflection, allowing yourself the space to feel and process emotions is critical. Be kind to yourself. You’re doing your best, and that’s enough.

2. Financial Health: Get Yourself in a Good Position

Now, let’s talk about money. It’s no secret that financial health is a cornerstone of peace of mind, and February is the perfect time to make sure you’re in a good spot. Whether you’re setting up a budget, reviewing your savings goals, or working on debt repayment, small steps can make a big difference.

Take a look at where your money is going. Are there places where you can cut back without sacrificing too much? Consider setting up an automatic transfer to a savings account, or committing to sticking to a more realistic budget this month.

It’s also a great time to look ahead—think about any big financial goals in the works for 2025 and break them down into manageable steps. Little actions today can set you up for big rewards in the future.

3. Insurance: Reviewing What You’ve Got

When was the last time you took a look at your insurance policies? Whether it’s life, health, or car insurance, it’s important to regularly review what you’re paying for and what coverage you need.

Life Insurance: Maybe you’ve got a policy in place, but is it still enough to cover your loved ones if anything were to happen? Consider whether your current life insurance aligns with your family’s needs, especially if there have been any changes in your life since you last checked.

Health Insurance: With medical costs on the rise, it’s crucial to make sure you have the right coverage. Are you using the benefits to their fullest? And if you’re not feeling completely confident in your plan, now’s a good time to shop around during open enrollment or ask your employer about options.

Car Insurance: Have you kept up with the best rates for your car insurance? Are you overpaying for coverage you don’t need, or missing out on discounts? Take a moment to assess your coverage, especially if you’ve made any changes to your vehicle, and ensure you’re not overpaying.

4. The Will: Reviewing or Getting Started

This is one of those things we all know we should do but often put off. Have you reviewed your will recently? If you don’t have one, February is the perfect time to get the ball rolling. A will isn’t just for the elderly or the super wealthy; it’s for anyone who has people or things they care about. It’s about making sure your wishes are known and protecting your loved ones when the time comes.

Take small steps—get the information you need, talk to a legal professional, or even start drafting it yourself. It’s a big task, but breaking it down into manageable pieces will make it easier. And the peace of mind it brings? Worth every second.

5. Mindful Consumption: What Are You Taking In?

What are you consuming right now—physically, mentally, and emotionally? February is a great month to reevaluate what we’re putting into our bodies and our minds.

Food: What are you fueling yourself with? February might bring a craving for comfort food, but it’s also the perfect time to check in with your nutritional habits. Maybe experiment with some healthier recipes or challenge yourself to make a few small changes to feel better in your body. Small actions today can lead to long-term energy and vitality.

Media Consumption: Take a look at what you’re watching, reading, and scrolling through on a daily basis. Are you absorbing content that lifts you up or drains you? Maybe now’s the time to cut out things that no longer serve you—whether it’s scrolling mindlessly on social media or binge-watching TV shows that leave you feeling uninspired.

Try replacing some of your usual content with books, podcasts, or documentaries that will help you grow, stay motivated, and nurture your mental health. Curating what you consume can make a huge difference in your overall well-being.

6. Small Steps, Big Goals

This is the year for taking small steps toward your BIG goals. Whether it’s getting your finances in order, improving your health, or tackling big life changes, 2025 is the year to make steady progress. Remember, no goal is achieved overnight. But with consistent effort, a little at a time, you’ll find yourself closer than ever to where you want to be.

It’s the small actions—like setting aside 15 minutes each day for mindfulness, reviewing your insurance every year, or tweaking your budget—that compound over time and lead to significant results.

As we move through February and into the rest of the year, let’s focus on being gentle with ourselves, staying proactive with our responsibilities, and making thoughtful decisions. 2025 is about feeling the feelings, making steady financial progress, and building a life we can look back on with pride. So, let’s take those small steps—because each one gets us closer to the big goals.

Happy February! Let’s make this month a time of reflection, action, and growth. ✨

Starting the year right

by Mothersense, posted in Messy Life

Start the Year Right: A Financial Check-Up and Planning for the Unexpected

As January is flying by, it’s a great time to hit the refresh button on many aspects of your life—your finances included. While it’s easy to get caught up in the excitement of New Year’s resolutions and personal goals, one of the most important things you can do at the start of the year is ensure that your financial and legal documents are in order. Doing a financial check-up and reviewing critical documents may not be the most thrilling task, but it can save your family from unnecessary stress and confusion should something happen to you or your spouse.

1. Perform a Financial Check-Up

Start by reviewing your financial situation:

  • Review your budget and spending habits: Are you living within your means? Have your financial goals changed? It’s important to adjust your budget to reflect your current priorities, whether that’s saving for a major purchase, paying off debt, or investing in retirement.
  • Check your credit report: Get a copy of your credit report to ensure there are no errors or signs of identity theft. Correcting mistakes early can save you a lot of headaches down the line.
  • Evaluate your emergency savings: Ideally, you should have 3-6 months of living expenses saved up in case of unexpected emergencies. If this isn’t the case, make it a priority this year to build or replenish your emergency fund.
  • Revisit retirement and investment accounts: Check in on the performance of your retirement accounts and investment portfolios. Make sure your contributions align with your goals and, if necessary, adjust your asset allocation based on your risk tolerance and time horizon.

2. Update Your Will and Trust

Many people put off creating a will or updating it because it can feel morbid or overwhelming. However, it’s a crucial step in ensuring your assets are distributed according to your wishes and that your family members are taken care of. If your circumstances have changed—perhaps you’ve acquired new assets, had a child, or experienced a life event like a marriage or divorce—be sure to revise your will to reflect these changes. You may also want to consider setting up a trust to avoid probate and streamline the transfer of assets.

3. Review Beneficiaries for Insurance and Bank Accounts

It’s not uncommon for people to forget to update their beneficiary designations on life insurance policies, retirement accounts (like 401(k)s or IRAs), and even bank accounts. If you’ve had any life changes—such as a marriage, divorce, or the birth of a child—this should be a top priority. Ensure that the beneficiaries listed reflect your current wishes and that your loved ones will be taken care of in the event of your death.

4. Set Up Power of Attorney

A Power of Attorney (POA) is a legal document that designates someone to make financial decisions on your behalf if you’re unable to do so yourself due to illness, injury, or incapacitation. Having a trusted person in place who can handle financial matters for you is essential to ensure your financial obligations are met during a difficult time. You can also set up a Healthcare Power of Attorney to appoint someone to make medical decisions on your behalf if you’re unable to communicate those decisions yourself.

5. Create Advance Directives

An advance directive (also known as a living will) outlines your preferences for medical care should you be in a position where you cannot express your wishes. This can include instructions for life-sustaining treatment, organ donation, and other aspects of end-of-life care. Many people shy away from thinking about these situations, but having clear, legally recognized instructions can relieve your loved ones of difficult decisions during emotionally charged times. Make sure your advance directives are signed, dated, and stored in a place where your family can easily access them.

6. Organize Your Documents and Make Things Easy for Your Family

Beyond the legal documents and financial accounts, consider organizing important information for your family. Create a document or folder where you record all necessary details about your accounts, passwords, insurance policies, and any other key information that your family members may need in the event of an emergency or your passing. Include things like:

  • Where you keep physical documents
  • Account numbers, login details, and passwords (using a password manager is a secure option)
  • Insurance policies, including life, home, auto, and health
  • Contact information for professionals (lawyers, accountants, financial advisors)

While it might seem like a lot of work upfront, taking the time to get your affairs in order now can provide peace of mind for both you and your loved ones.

7. Talk to Your Family About Your Wishes

Beyond the paperwork, it’s crucial to have an open and honest conversation with your family about your wishes. This includes discussing things like your preferences for healthcare, your end-of-life care decisions (such as a Do Not Resuscitate or DNR order), and what you want to happen with your possessions. While it may feel uncomfortable, leaving these things unspoken can lead to confusion, stress, and even family conflict when emotions run high.

The Importance of Doing the Work

It may seem daunting to go through this process, but it’s far better to address these matters now than leave your family to guess your intentions. If you were to fall ill or unexpectedly pass away, having these legal and financial arrangements in place would ensure that your family isn’t left scrambling, unsure of your wishes, or dealing with unnecessary administrative headaches. It’s not about being morbid—it’s about being proactive and ensuring that your loved ones have clarity and peace of mind when they need it most.

This year, make it a priority to set aside time for your financial and legal check-up. You’ll feel better knowing that you’ve taken steps to protect your family and their future.