January 2026
Emergency Funds & Strategic Debt Management : The long-term benefits make these foundational efforts worth the investment
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…
Read MoreStart 2026 With a Financial Backup Plan
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…
Read MoreA New Year Isn’t About Resolutions — It’s About Redesigning Your Financial Life
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…
Read MoreFinancial Discipline Is an Easy Resolution to Make, but a Hard One to Keep
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…
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