Posts by Penelope Jane Smith

Imagine going through with your life in preparation for retirement. You have a sense of peace and tranquility. You’re totally ready to enjoy your retirement. You’re excited about what the future holds. You feel secure and ready to enter your next phase of life.  That was Dan’s story. He and his wife were preparing for…

It feels great to give to someone else or to a cause that you believe in.  However, most of us find it far more difficult to receive than to give, which reminds me of this quote by T. Harv Eker: “‘It’s better to give than to receive.’ Let me put this as elegantly as possible:…

If you’re reading this newsletter, you’ve probably had some form of formal education, whether it was high school, college, or even just kindergarten.  What did they teach you about money in school?  If you’re like the thousands of other people I’ve worked with, the answer is “not much.”   You may even have some level of…

My momma never told me “Life is like a box of chocolates,” but she has told me repeatedly that when you want to make a positive change in your life, it’s very common to hit some kind of resistance or “denying force,” as if the Universe is saying “Really? Are you sure you want that?”…

When most people hear the word “prosperity,” they think about money, but there’s a lot more to living in prosperity than how much money you have. As for the dictionary definition: prosperity is the state of flourishing, thriving, success, or good fortune. Prosperity often encompasses wealth but also includes others factors that are independent of…

If the title of this post triggers you on some level (probably because you are a financial advisor… or you know one that you really like and trust), stick with me for a moment. To be clear, I’m not a financial advisor or financial planner.  I don’t sell financial products, and I don’t give specific…

Today, I’d like to share a concept with you that you’ve probably never heard from any other financial expert that you’ve worked with. When it comes to your investment strategy, you’ve probably heard that it’s important to consider your “risk tolerance.”  But it’s also important to consider your “hassle tolerance.” The other day, I was…