Finding the shortest and safest route to any of your dreams requires planning and only with a carefully thought out financial plan can you be sure to make the most of your resources and to protect against risks along the way. At Worby Wealth Management, Chris will do his best to help you achieve those dreams with a plan that is tailored to your specific needs and based on your individual situation.
Let Trusted Regina Financial Adisir Chris Worby of Worby Wealth Management help you live your dream!

Get Happy with your Money!

I talk with a lot of people about their finances – a lot – and if there’s anything I have learned it is that people are not happy with their money. They feel guilty about their spending and savings habits, feel they need to justify purchases and always end the month without.

Mike Rowe, host of ‘Dirty Jobs’ answered this to someone who was having a hard time finding a job they were ‘happy’ with:

Happiness doesn’t come from a job. It comes from knowing what you truly value, and behaving in a way that’s consistent with those beliefs.

Every household, no matter what stage of life – married, single, divorced, retired, etc – can benefit from considering their values as it relates to their finances, investing, goal setting, etc. Once the values have been established, the decisions become easy.

Let’s talk about these values for a few minutes. First, let’s talk about spending. If a household sat down and said, “We value being debt-free,” a number of decisions get really easy. “Should we buy a brand new car that will take us 8 years to pay off?” “Should we buy a brand new house with an accompanying $350,000 mortgage?” “Should we apply this work bonus to our mortgage using a pre-payment option?” Easy questions to answer once the household value is identified.

How about investing? “I value long term growth over safety and low volatility,” is a different statement from, “I value security in my investments.” Each of these investment statements means that many strategies are immediately eliminated and need never be considered again – how’s that for simplifying the decision-making process!

One of the issues here is that some values are ‘better’ than others – or so we think. There is no inherent benefit to valuing security overgrowth or vice versa. The important part is to follow your values so that your investment experience matches your values.