Jennifer and Justin admit that although knowledgeable and educated, they are not financial wizards.  They know they don’t know enough, which is why they hired a fiduciary, flat fee financial planner.  They are, after all, going to be spending their time in hospitals and businesses developing software, so how could they not spend the necessary time honing in on their optimized financial plan?

After having honest and thoughtful conversations, they realized their financial planner wasn’t just a number cruncher, but someone to lean on for objective life advice.

Pathways to experience life on their terms were created:

• Created an actionable plan to minimize the student debt burden while investing
• Understood the true cost of homeownership and historical real returns
• Balanced 401k/IRA contributions to outweigh the effects of accrued loan interest
• Developed a framework for operating joint finances

By visualizing the dollars behind waiting to invest and losing precious compounding time, easy and guided decisions were made.

Student debt paydown scenarios were presented through the various structures of working for the non-profit children’s hospital compared to working privately and aggressively paying loans upon refinancing to low market rates.

Through collaboration and tough love, Jennifer and Justin feel safe knowing exactly how much money they can spend on current life experiences while maximizing the gift of time, allowing their money to work harder for them than any of their peers.