What it is: A short video. You're talking to the camera, or there's footage of you doing something, with the words layered over it.
What you get: A full script under "Words to say," already written: hook, body, and close.
What you do: Read it into your phone camera (or film the footage), then post it as a Reel.
Why do you own life insurance and a retirement account and still can't say if it's enough?
Nobody handed you a way to check. So steal these 3 systems and run it yourself this week.
1. Inventory system.
2. Paycheck replacement system.
Think of the inventory the way you'd think about cooking for 8 people, you don't start with the recipe you start by pulling everything out of the fridge and onto the counter because you can't tell what's missing until it's all sitting in front of you at once and half of what you were sure you had turns out to be one egg and a lemon… see
Because it's rarely about how much you own and more so about whether you've ever seen all of it in one place at the same time.
3. Enough number system.
The families who sound calmest about this can tell you in one sentence what each piece they own is for. One sentence.
#buildfamilywealth #knowwhatyouown
Three checks you can run at your own table this week.
For anyone who owns life insurance or a retirement account and has never had somebody lay the whole thing out for them.
None of this is new information. It's three questions, and you can answer all three yourself.
The carousel has all three. Inventory, paycheck replacement, and the enough number.
Save it if it's useful. Send it to whoever handles this in your house.
Which one would be hardest for you to answer right now? If it's the enough number, you're in good company.
#buildfamilywealth #knowwhatyouown
Why do you own life insurance and a retirement account and still can't say if it's enough?
Nobody handed you a way to check.
It's rarely about how much you own and more so about whether you've ever seen all of it in one place at the same time.
The families who sound calmest about this can tell you in one sentence what each piece they own is for. One sentence.
Did you know most families have never been shown how their own financial products fit together?
Being shown how it fits together is a different appointment than buying any of it. Steal these 3 systems and you can run the first one tonight with a pen.
1. One page system.
2. Overlap system.
Think about the overlap like 3 people packing for the same trip, everybody grabs what they know about so you end up with 4 phone chargers and 9 bags of ice and no can opener, and not one of them did anything wrong, they solved the part they knew about and nobody ever opened the trunk… trunk
Because it's rarely about what each piece does on its own and more so about what the trunk looks like once everything is in there together.
3. Sequence system.
Every household I've sat with that has this handled keeps it on one page they can find in under a minute, and they redo it once a year.
#buildfamilywealth #onepageplan
There's an appointment where somebody sells you something, and there's an appointment where somebody shows you what you already have. They are not the same meeting.
For anyone holding a folder of paperwork nobody has ever walked them through.
The three systems in the carousel go in this order for a reason. The second one only makes sense once the first one exists.
One page. Overlap. Sequence.
Save it if it's useful. Send it to whoever keeps the paperwork in your house.
What would go on your one page tonight? Start there.
#buildfamilywealth #onepageplan
Did you know most families have never been shown how their own financial products fit together?
Being shown how it fits together is a different appointment than buying any of it.
Every household I've sat with that has this handled keeps it on one page they can find in under a minute, and they redo it once a year.
It's not that you didn't buy enough. It's that nobody ever explained what you bought.
You already paid for the explanation. Steal these 3 systems and go collect it.
1. Plain language system.
2. Say it back system.
Somebody explains a repair to you while he's wiping his hands on a rag and you nod along the whole time and you pay and you drive off, and 3 days later somebody asks what you paid for and you've got nothing. A good one makes you say it back to him before he hands over the keys… back
Because it's rarely about how well somebody explained it and more so about whether you can say it back a week later.
3. What if system.
You can always tell who's had this explained properly. They use their own words for it instead of the words off the paperwork.
#buildfamilywealth #askthequestion
You'd never drive off without knowing what the repair was. Somehow paperwork gets a pass.
For anyone who signed something years ago and couldn't tell you today what it does.
None of the three systems in the carousel asks you to buy anything. They collect the explanation you already paid for.
Plain language. Say it back. What if.
Save it if it's useful. Send it to whoever signed the paperwork with you.
What's the one term on your policy you've never had explained? Ask it out loud this week.
#buildfamilywealth #askthequestion
It's not that you didn't buy enough. It's that nobody ever explained what you bought.
You already paid for the explanation.
It's rarely about how well somebody explained it and more so about whether you can say it back a week later.
You can always tell who's had this explained properly. They use their own words for it instead of the words off the paperwork.
Here's why 40 years in this industry explains what you're still not being told.
You see 40 years on a bio and you think steady. What that number doesn't show is how many times it got started over.
And there's a version of this where the woman on your screen always had it handled. Wrong woman.
I'll be straight with you. I came here at 19 and my mother handed me $100 and told me I was on my own. Was I scared? Every day of it.
But looking back I'm SO grateful for the hard stretches, because single motherhood taught me what a plan has to cover, the layoffs taught me how fast a plan gets tested, and rebuilding taught me the order you do it in.
So if you're sitting with paperwork you don't understand, don't decide that means you were careless.
And take this with you right NOW. Not one person I've sat with came in already knowing what they were looking at.
So go ask the question you've been sitting on!
You're not careless. You're the one asking 💛
40 years in and this is the part I love. Talk to me when you're ready 🙏
I was 19 when my mother handed me $100 and told me I was on my own.
That is the start of the 40 years people see on my bio, and the part of it nobody puts on a bio.
What I did not have back then was anyone to explain any of it to me. Not one person. That is the whole reason I do this work the way I do.
The three lessons in the carousel are the ones I still work from. What a plan has to cover, how fast it gets tested, and the order you do it in.
Save it, or send it to whoever in your family carries this on their own right now.
Which of the three would be hardest to answer for your household? If it is the order, that is the one that took me the longest.
#buildfamilywealth #40years
Here's why 40 years in this industry explains what you're still not being told.
What that number doesn't show is how many times it got started over.
I came here at 19 and my mother handed me $100 and told me I was on my own.
But looking back I'm SO grateful for the hard stretches, because single motherhood taught me what a plan has to cover, the layoffs taught me how fast a plan gets tested, and rebuilding taught me the order you do it in.
You're not careless. You're the one asking.
It's another call about your policy and you still can't tell if they're explaining or selling.
The part nobody sees is the years I spent on the other side of that desk, in operations and trust administration and the compliance files, which is where you find out why those conversations sound the way they do.
People assume you get handed that kind of read on day one. Nobody does.
And no point pretending I learned this from a textbook. I sat on your side of it too, at my own kitchen table after my divorce, with a folder I didn't understand and nobody to ask. Did I nod along like I followed it? Every time.
The odd thing is I'm grateful for that now, because it taught me what a family hears, what they're too embarrassed to say out loud, and where the explanation stops.
So if you've hung up from one of those calls with nothing written down, don't take that as proof you can't follow it.
And I'll say this NOW, the same way I say it at my table. If you can't say it back in your own words, we're not done.
So make them wait while you write it down!
You're not slow. You're the one paying attention 💛
Bring me the folder. Bring me all of it 🙏
Nobody hands you a read on this. I did not get one either.
Most of my 40 years were spent on the other side of that desk. Operations, trust administration, the compliance files. That is where you find out why those calls sound the way they do.
Then I sat on the other side of it myself, at my own kitchen table, with a folder I did not understand and nobody to ask. I nodded along like I followed it. Every time.
So the rule in the carousel is the one I hold myself to now. If you cannot say it back in your own words, we are not done.
Save it, or send it to whoever sat through that call with you.
What is the one thing on your policy you have never been able to say back in your own words? That is where I would start.
#buildfamilywealth #sayitback
It's another call about your policy and you still can't tell if they're explaining or selling.
The part nobody sees is the years I spent on the other side of that desk.
I sat on your side of it too, at my own kitchen table after my divorce, with a folder I didn't understand and nobody to ask.
If you can't say it back in your own words, we're not done.
You're not slow. You're the one paying attention.
There are 2 kinds of families sitting with an agent. One gets explained to. One gets sold to.
Telling those 2 chairs apart takes me about a minute now. It took years in the wrong one to get there, and most of those years I didn't know that's where I was.
The story people want is that I always knew. I didn't.
Straight up, the year I got laid off I put the folder in a drawer and left it there. Was that avoiding it? Yeah. For months.
That drawer is the whole reason I'm any use to anybody now. Starting over taught me what to protect first, the career changes taught me that a plan has to survive the year you didn't see coming, and 40 years of watching families get handed products taught me which question nobody asks.
And if today's the day you work out which chair you were in, don't turn that into a story about how you should have known better.
Hear me on this NOW. Whoever sat across from you decided which of those 2 conversations you got.
So let yourself be the family that gets explained to!
You weren't the problem. You're the one who noticed 💛
Pick the chair. I'll keep one open for you 🙏
For months after I got laid off, the folder stayed in a drawer and I did not open it.
I had already spent years in this industry by then. I knew what was in it. I put it in a drawer anyway, because nobody had ever sat down and walked me through my own paperwork, and I did not want to find out on my own what it did not cover.
That drawer is the reason I do this the way I do.
The carousel is 2 chairs. One family gets things explained to them. One family gets sold to. Which chair you ended up in was decided by whoever sat across from you, and it was never a verdict on you.
Save it, or send it to somebody who has a folder in a drawer.
If you would rather have the details sent over than sit with it alone, comment PROTECT OR OPTIONS and I will send them.
Which chair were you in last time? Most people do not work that out until years later.
#buildfamilywealth #twochairs
There are 2 kinds of families sitting with an agent. One gets explained to. One gets sold to.
Telling those 2 chairs apart takes me about a minute now.
Straight up, the year I got laid off I put the folder in a drawer and left it there.
That drawer is the whole reason I'm any use to anybody now.
Whoever sat across from you decided which of those 2 conversations you got.
You weren't the problem. You're the one who noticed.
There's a parent watching this who's done the math on what their family would be left with, and never said it out loud.
Nobody runs those numbers at the kitchen table on a Tuesday. It happens at 2am, in the dark, and by breakfast it's gone.
And the families who look ready didn't get there by buying one more product. 40 years in and I've never once watched a product do that on its own.
Here's the part I skip when people ask how I got into this. I raised my kids on my own, and for years I couldn't have told you what they'd have been left with. I'd have guessed.
I wouldn't hand those years back now. They're the reason I learned the numbers instead of the sales version, the reason I wrote down the 13 questions I hand people, and why I never assume anybody's been told anything.
And you, the one who already ran it once and put it straight back down, don't turn that into proof you left it too late.
One thing I want you holding NOW. The math you did in your head isn't the answer. It was never built to be.
Let somebody put it in writing for you!
That wasn't morbid. That was a parent doing the job 💛
The Family Wealth Benchmark is 13 questions, about 3 minutes, and it shows you what you have and what may be missing. I built it for the parent at 2am 🙏
2am is when this one gets done. Never at breakfast.
I raised my kids on my own. For years I could not have told you what they would have been left with. I would have guessed, and guessing was the best I had.
That is the reason I do this work the way I do, and the reason I wrote down the 13 questions I hand people now.
The carousel is the thing I wish somebody had said to me back then. Running the numbers in your head is not the same as knowing, and it was never meant to be.
Save it, or send it to whoever in your family does that math on their own.
If you would rather see it written down than carry it around, the Family Wealth Benchmark is 13 questions and about 3 minutes.
What would your family be able to find, in one place, without having to ask anybody? That is usually where this starts.
#buildfamilywealth #2am
There's a parent watching this who's done the math on what their family would be left with, and never said it out loud.
Nobody runs those numbers at the kitchen table on a Tuesday. It happens at 2am, in the dark.
I raised my kids on my own, and for years I couldn't have told you what they'd have been left with.
I'd have guessed.
The math you did in your head isn't the answer. It was never built to be.
That wasn't morbid. That was a parent doing the job.
Why is the one question you actually want answered also the one you keep skipping?
Everybody asks me what it costs. Almost nobody asks the thing they walked in wondering about, which is whether their family would be okay.
And the rule people seem to follow is that you understand it first, then you get to ask. It runs the other way round. Always has.
I'm not above it either. I changed careers more than once and started over more than once, and the question I skipped longest was whether I'd be okay. Did I ask anybody? No. Asking felt like admitting I'd got it wrong.
Those years earned their keep, in a way I couldn't see while I was in them, because starting over that often is where I learned how long a person can carry one question, how fast it goes once it's said out loud, and how much of it nobody ever explained to them in the first place.
The question you keep skipping has been in your head longer than most of the paperwork in your house. That doesn't make you bad with money.
Take it from somebody who waited too long to ask. NOW, before anything else, nobody worth your time needs you to understand it first.
So put the question in front of somebody who does this for a living!
That never made you bad with money. You've been waiting on a straight answer, that's all 💛
It's called the Family Wealth Benchmark. 13 questions, about 3 minutes, and you don't have to know how to ask it 🙏
People ask me what it costs. Almost nobody asks me the thing they walked in wondering about.
I skipped mine too. I changed careers more than once and started over more than once, and the question I did not ask for the longest was whether I was going to be okay. Asking felt like admitting I had got it wrong.
Starting over that often is where I learned how long somebody can carry one question, and how fast it goes once it is said out loud.
So the rule in the carousel is the one I work from now. Nobody worth your time needs you to understand it first.
Save it, or send it to somebody who has been carrying one of these for years.
If saying it out loud is the part you would rather skip, the Family Wealth Benchmark asks the 13 questions for you. About 3 minutes.
What is the question you keep not asking? You do not have to put it in the comments to answer it.
#buildfamilywealth #askitanyway
Why is the one question you actually want answered also the one you keep skipping?
Everybody asks me what it costs. Almost nobody asks the thing they walked in wondering about, which is whether their family would be okay.
The question I skipped longest was whether I'd be okay.
Did I ask anybody? No.
Nobody worth your time needs you to understand it first.
That never made you bad with money. You've been waiting on a straight answer, that's all.
Why do you keep learning more about this and still not knowing what to do next?
I hear all the "rules" about getting educated first before you talk to anybody, but the families who finally get clear? They did it the other way around.
(Which is a relief, honestly.)
If you want an easy place to start:
• write down the 3 questions you keep not asking (the ones you've thought at 2am and never said out loud)
• pull the paperwork out before you read one more article (last year's statements, the policy you barely remember signing)
• ask what each piece does and WHEN it's supposed to do it (a month and a number beats "someday")
That's what actually works and it takes one sitting 📋
Follow along for the plain language version of the things nobody explained 💬
And when you want yours looked at properly, that's what scheduling a conversation is for. Drop your questions below, I'll answer them.
Reading one more article is the most comfortable way to not decide anything.
It also never answers the question you walked in with. That question isn't an information problem. You already know what you don't know.
The steps in the carousel run the other direction. Questions first, paperwork second, article never.
Save it. Send it to the person in your house who keeps saying they'll get to it.
Which of the 3 questions have you been carrying the longest? You knew the answer before you finished reading this.
#buildfamilywealth #plainlanguagemoney
Why do you keep learning more about this and still not knowing what to do next?
I hear all the "rules" about getting educated first before you talk to anybody, but the families who finally get clear? They did it the other way around.
Which is a relief, honestly.
You saved the post. You meant to ask. You still don't know what you've got.
The "rules" say wait until there's more money coming in, or until the kids are older, or until the year settles down. The families who get this sorted start with what's already on the table.
(Nobody's grading this.)
If you want an easy place to start:
• start with what you already own before anything new gets discussed (every policy, every account, one list)
• then ask what each one is for if your income stopped (they don't all answer that, and most people have never been told which ones do)
• last, say the number out loud to another ADULT (whatever your family would have to live on, said out loud, once)
That's what actually works and it's the order a good conversation goes in anyway 🗒️
Follow along for one plain language answer a week ✉️
So if you'd rather ask somebody than keep saving posts about it, that's what a conversation is for. Questions go below, I read all of them.
The order matters more than the answers. Most people start at the wrong end of it.
New product first, questions later. So the questions never get asked, and a year goes by, and the post stays saved.
The carousel runs it the other way. What you own, what it's for, then the number said out loud to somebody who isn't you.
Save it. Better, send it to the adult you'd say the number to.
What are you waiting for before you look at this properly? More money coming in, or the kids being older? Both of those arrive with their own reasons to wait.
#buildfamilywealth #saidoutloud
You saved the post. You meant to ask. You still don't know what you've got.
The "rules" say wait until there's more money coming in, or until the kids are older, or until the year settles down.
The families who get this sorted start with what's already on the table.
Nobody's grading this.