Cultivating Wealth Blog

Tips and ideas to simplify your financial life
How We Saved $50,000 Per Year

How We Saved $50,000 Per Year

2008-2012 were some tough years across the board. Many people I knew had to downsize, change careers, or experienced wild income fluctuations. The truth is - my family and I went through the same thing. And, honestly, the lessons we learned can still be applied today....

Adopting? Feel Financially Prepared in Four Steps

Adopting? Feel Financially Prepared in Four Steps

Are you thinking about adopting a child? That’s wonderful! Parents thinking about adoption may be very anxious about the financial aspects of the process. I’d like to take some of the mystery out of it, so parents don’t unnecessarily delay for financial reasons. Here...

Retirement Saving for the Self-Employed

Retirement Saving for the Self-Employed

Being your own boss has a lot of perks. Unfortunately, having a workplace retirement plan and an 401(k) match isn’t one of them.  Even if you’re running the business of your dreams and never planning to fully retire, everyone wants the “option” to stop working (or...

Thinking Ahead When it Comes to Your Child’s Education

Thinking Ahead When it Comes to Your Child’s Education

When our kids are young, it’s easy to get wrapped up in the day-to-day. Parenting is hard, and it’s tough to look much farther ahead than next Friday when you’re in the weeds with middle school math homework, preschool drop off, and Minecraft server dramas. Still,...

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