Question: I am in my 20s and just starting out in my career. I took just enough economics in college to be dangerous. But everything I read about the world financial situation, with debt levels and sluggish economies, has me very worried. Do you think we will be the first American generation to be worse off than our parents?
Question: I have worked at the same place for over 20 years. I can probably retire in five to ten years. But things have changed so much at work. I feel ignored, overlooked and totally taken for granted. My pay has not gone down, but that’s not all there is to a job. Do I hang on and hate it, find a new job (not easy to do!) or just retire now and keep my sanity?
Question: I have lived longer than I thought I ever would. I’ve been blessed with several children and grandchildren. Now I am faced with the possibility that I could outlive some of them. What would happen if I live longer than one of my children? Would their children get their portion of my estate? I have one child who never had any children of her own.
Question: I try to keep up with financial news a little, and I keep hearing about something called negative interest rates. What are they and do they have anything to do with me?
Question: I struggle with follow through. I’ve made several financial promises to myself, but I just don’t keep up with the details. The only thing I can say I’ve ever done consistently is my 401k, and that’s because it happens automatically and I never think about it. What can I do to improve my follow through?
Question: I am realizing that the dramatically lower price of oil could affect my job, even though my work is not directly oil field related. All the uncertainty has me wondering how effective long-term planning can be during times like these. What do you think?
Question: I keep a very detailed budget on a spreadsheet. All my income and expenses are in there. I even categorize my debit card expenses from my bank statement each month. My budget shows a $500 positive balance each month. But I never have any money in my account by the end of the month. I cannot figure out what is happening.
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Copyright © 2026 Byron Moore, CFP® & Mike Jones. All rights reserved.
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Copyright © 2026 Byron Moore, CFP® & Mike Jones. All rights reserved.