![]() ![]() Hiking like financial planning, is a great adventure. Works as much on your bucket lists as you do your spreadsheets. You cannot go the whole way with out stopping to catch your breath.Ħ. Life must be lived in the moment and for the longer term. This can mean prioritizing family vacations or an experience along the way. Balancing the long-term priority of a financial goal against the short-term goal of living is an ongoing lesson in sacrifice.ĥ. ![]() You must continually make savings decisions that delay gratification. #EVER FORWARD NET WORTH PROFESSIONAL#With professional advice comes improved savings behavior and the opportunity to identify tax-efficient investment vehicles, counsel against poor financial decision-making, as well as objectives that help mitigate emotional investing habits.Ĥ. From how we allocate our assets to understanding how different financial products can serve our goals. In financial planning, there are many tools. Map the course, keep track of your net worth, and ensure its on the right trajectory.ģ. Do not set off on your hike to retirement without a good understanding of your situation, your spending needs, your ability to generate income and your overall goals and objectives. The way down can represent getting a raise or promotion, a child getting a job and contributing to their own expenses or a strong market.Ģ. Uphill challenges include things like, health care issues, aging parents, changes in plans, market declines, college expenses, etc. In my opinion, financial planning is a lot like hiking. A simple “keep going, you’ll make it”, “the view is worth it” can offer so much to those still making their way. Yet, an opportunity opens to encourage those you meet on their own way up. You are tired, aching, and looking forward to getting back to the car. Hiking down, presents its own challenges. However, the lesson of the mountain is not over yet. We are standing in a place, where only our feet can take us. ![]() Just when it seems we cannot take another step, the trail levels out, the views are incredible, and the pain and sweat of our efforts fade. But we carry on, any goal worth pursuing comes with doubt, difficulties, and despair. There is the added terror of looking back down the unforgiving mountain. Often there is some sort of scramble, requiring hands-on navigation and careful decision making. I have come to understand a slow and steady pace, ever forward, with the occasional rest, is the way ahead. This is often when I start questioning my decision to haul my 11-year-old up the trail alone.Īfter willing myself onward, a slow, almost imperceptible change takes place. My legs and lungs work to keep up as my heart pounds hard in my chest. As the mountain looms off in the distance, the trail becomes steep. A few hundred metres in, the trail turns rocky, muddy, and slippery with gnarly roots grabbing at our feet. Perhaps we are not the best route finders, but trail descriptions rarely seem to meet our reality. The sales of HBO and Mach’s decision to sell subsequent projects for thousands of dollars through services like Bandcamp made every album a collector’s item and set a trend that the new generation has followed to this day.Most weekends, my son and I load up the car and head for the mountains to hike. Their scarcity has built a cult of personality further amplified by Mach’s raps, tightly constructed yet freely floating through hip-hop’s past and present like ghosts in Gore-Tex jackets. Most of the nearly two dozen projects he’s released since his 2016 breakout HBO (Haitian Body Odor)-which he initially promoted and sold himself via Instagram-still aren’t available on streaming services. The New Jersey-based Haitian-American rapper is used to working at a prolific clip from the shadows. In a flash, a figure in all white with a Haitian flag tied across his face beamed in via FaceTime. An hour and a half later, a little after 1 a.m., my phone rang. Mach wanted to speak en route to a video shoot in L.A., but filming had already begun by the time I called. After spending days navigating a network of anonymous calls and dead ends, an assistant passed me the number to one of hip-hop’s most elusive artists. The process of speaking with Mach-Hommy is nearly as labyrinthine as his music. ![]()
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