All About Your Benjamins™

In a crossover episode with PRST, I talk with Ramona Maior about her path to becoming a financial advisor and how her passion (and purpose) extend to more than financial planning. Ramona’s story is remarkable and she’s really just getting started with the impact she will make. Her story also shows how you can have a career that you are passionate about and at the same time it can be the means to allow you to pursue an even greater passion. https://youtu.be/2hy6KvJSXTA Listen: Apple Podcasts Spotify Google Podcasts Follow: Ramona’s Twitter Ramona’s LinkedIn Family Wealth Management Group Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

We all plan to live long lives and hopefully have an enjoyable encore season in our life. In this episode Terry leads us through a discussion about why and how we should prepare to not just live a long life but to find meaningful longevity. https://youtu.be/p173UrfLpkQ Listen (coming soon): Apple Podcasts Spotify Google Podcasts Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

“The headlines that may or may not be impacting your financial plan and portfolio.” https://youtu.be/3eRgyllLdH0 Week In Review Articles CNBC.com: Payrolls Rose 390,000 In May, Better Than Expected As Companies Keep Hiring The WSJ: May Jobs Report Keeps Fed on Track for Half-Point Interest-Rate Rises The WSJ: Biden Says No Short-Term Fix to High Energy, Grocery Prices The WSJ: Lumber Prices Slump With Rising Interest Rates https://twitter.com/jjeffrose/status/1532497288916095000 Weekly Mixtape Morgan Housel: Different Kinds Of BS "Bullshit is the same. It comes in countless forms, some harder to spot than others. False modesty, projecting, double standards, hypocrisy, tugging at heartstrings – these aren’t lies; they’re subtle forms of bullshit, which is why they’re so prevalent." Morgan Housel: The Rich And The Wealthy "I’m always interested in the difference between getting rich and staying rich. They are completely different things, and many of those skilled at the former fail at the latter." Taylor Mali: Totally Like Whatever, You Know "I entreat you, I implore you, I exhort you,I challenge you: To speak with conviction.' Jack Raines: The Future Of You "To find the path that you should take, you need to actively avoid the paths that you know you shouldn't take. This doesn't necessarily mean quitting your job on a whim. You do still need an income, after all. But this does mean you shouldn't look for new opportunities on paths that present the same problems as your current one." Our Tiny Rebellions: Cheese Fixes This "No one knows for sure where cheese came from. Old folklore suggests it was an accident, the result of storing milk in containers made from animal stomachs, which contained enzymes that caused the milk to coagulate and separate into curds and whey. This isn’t the most appetizing history lesson, but alas. The pioneers had to walk so Kraft could run.  " Dr. Phil Pearlman: Enlightenment Is Just Rediscovering "The universe is greater than we can fathom, filled with things we’ll never grasp, and our place in it is unknown." Dr. Joy Lere: Field Of Dreams "When it comes to youth sports, somewhere, things went way off the rails. Competition and pressure started to crowd out fun and cooperation. Parents feel pressure to keep up with what they see their peers doing and, as a result, over-enroll their kids. In extreme (but not infrequent) cases, families are now spending most of their nights and weekends at events, hemorrhaging thousands of dollars, and traveling around the country year-round to set their child up for "success." Adults reason, " For my child to be competitive, this is what we have to do because everyone else is too." Unfortunately, in many cases, overscheduled childhoods hurt more than help." Jazon Zweig: An Old Way To Fight Inflation Gets New Fans "These examples suggest why price controls have nearly always failed during peacetime. During national emergencies, people will put up with not being able to haggle, waiting in line to get a fraction of what they want and even being hauled in front of a review board of nosy bureaucrats." A Wealth of Common Sense: Compounding In The Stock Market Is Messy "This is why you need to play the long game. A long time horizon can help smooth out any poor timing you may have through either mistakes or bad luck."

For many transitioning to a new chapter/episode or as Terry's case, into his encore, means the social network once relied upon is gone. Finding a new social network is extremely important no matter the stage of life--as Terry shares a lack of social connection can have a negative impact on our health. Welcome to The Next Episode... https://youtu.be/l3LgNjLKeNs Listen: Apple Podcasts Spotify Google Podcasts Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

"“The headlines that may or may not be impacting your financial plan and portfolio.” https://youtu.be/ln4yDe1h8zA Week In Review Articles The WSJ: Buffalo Supermarket Shooting Leaves at Least 10 Dead The WSJ: Stocks Trim Weekly Losses With Friday Gains The WSJ: Inflation Slipped in April, but Upward Pressures Remain The WSJ: Senate Confirms Jerome Powell to Second Term Leading Federal Reserve The WSJ: Crash of TerraUSD Shakes Crypto. ‘There Was a Run on the Bank.’ The WSJ: Apple Is Discontinuing the iPod After a More Than Two Decade Run The WSJ: Lunar Eclipse 2022: When and How to Watch the Blood Moon https://twitter.com/heydannymiranda/status/1525619938018398214 Weekly Mixtape Morgan Housel: A Few Beliefs "Having your views confirmed is a powerful and addictive drug." Bob Seawright: So What?!? ":The inherent contradiction of false knowledge is that it feels like it’s true. Our bias blindness is such that, most of the time, only people on the outside can see we’re full of it." Dr. Joy Lere: Insight & Action: The Push and Pull of Porcupines "Humility helps us stay open and makes us more approachable. People see through the facade of pretension but respect authenticity. Don't try to be anything other than human. You're not fooling anyone." Dr. Phil Pearlman: Where Do I Begin? "These are the two things to start with that are fundamental and serve as the gateway to better fitness and more healthy habits that begin to click as you make walking and eating right habits." Lazetta Rainey Braxton: Should Gen Xers Keep Or Toss The Term Retire? "For some odd reason, saying the word (retire) aloud engendered a feeling of decline and a loss of purpose and identity. My fear of the future surfaced with irrational thoughts about transitioning from working to exiting this earth." A Wealth Of Common Sense: Things You See In Every Bear Market "In every bear market, some asset class, strategy or investment doesn’t behave like it’s supposed to. Diversification itself often gets called into question." The Irrelevant Investor: Twenty Lessons "It’s important to never let a bad market go to waste. Our portfolios might be down, but we can learn and grow from experiences like this." Sam Ro: Bear Markets And The Truth About Investing "This all speaks to two conflicting realities investors must cope with: In the long run, things almost always work out for the better, but in the short run, anything and everything can go wrong. This is what investing in the stock market is all about." All About Your Benjamins The Podcast: The Next Episode-Pre-Encore Planning PRST: The Weekly PRST Vol. 5 Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

In this episode Terry puts Justin in the interview seat to discuss some financial planning topics and strategies for those heading into their "encore". Welcome to The Next Episode... https://youtu.be/SuGboZFXWZc Listen: Apple Podcasts Spotify Google Podcasts Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

"The headlines that may or may not be impacting your financial plan and portfolio.” https://youtu.be/RFu39u8frNg Week In Review Articles The WSJ: Fed Lifts Interest Rates by Half Point in Biggest Hike Since 2000 The WSJ: Stocks Extend Losing Streak to 5 Weeks The WSJ: The Tech Industry’s Epic Two-Year Run Sputters The WSJ: Rapid Pace of U.S. Job Growth Stretched Into April The WSJ: Crypto Prices Slump Over the Weekend https://twitter.com/naval/status/1523087166938648576 Weekly Mixtape Morgan Housel: The Rich And The Wealthy "These definitions are my own, but here’s the distinction: Rich means you have cash to buy stuff. Wealth means you have unspent savings and investments that provide some level of intangible and lasting pleasure – independence, autonomy, controlling your time, and doing what you want to do, when you want to do it, with whom you want to do it with, for as long as you want to do it for." Dr. Joy Lere: Let's Talk About Mom "Our mothers are a part of the mysterious, magical process of becoming who we are. Their presence, their absence, their place—whatever it is—marks us. " A Wealth Of Common Sense: Some Things I'm Not Going To Regret In 20 Years "But as I grow older I try to view my financial decisions through the lens of how my future self will view them." The Reformed Broker: Attitude Adjustment "Regardless, we are undergoing an attitude adjustment about investments that’s one for the record books. The speed with which both bonds and stocks have moved against the investor class has been nothing short of breathtaking" Of Dollars And Data: We All Knew This Would Happen "Looking back now it seems so obvious that valuations of speculative cryptocurrencies and high growth tech stocks would collapse. The prices made no sense and we all knew they made no sense. But, in the moment, it’s hard to imagine how everything could come undone. It’s hard to imagine when everyone would wake up. But, they always do." Jack Raines: The Paradox Of Choice "When you have an abundance of good choices, the problem is reversed. You don't know what is "right" and "wrong," because every option is right. The aftermath of these decisions isn't filled with gratification and relief, it's filled with doubts and thoughts of "what if," because you know that choosing one good action means you must reject other good actions. So you find yourself paralyzed by indecision." Humble Dollar: Proud Of Nothing "To accomplish this feat, I tuned out cable business news. I avoided financial articles on topics like why you should sell bonds or overweight foreign stocks. More important, I ignored the financial markets’ daily performance." Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

"The headlines that may or may not be impacting your financial plan and portfolio." https://youtu.be/oJXBLR7WrBc Week In Review Articles The WSJ: U.S. GDP Falls 1.4% as Economy Shrinks for First Time Since Early in Pandemic The WSJ: Tech Rout Drags Nasdaq to Worst Month Since 2008 The WSJ: U.S. Consumers Boosted Spending in March The WSJ: U.S. Consumer Sentiment Rebounded in April -- University of Michigan The WSJ: Bitcoin in Your 401(k): Is That a Good Idea? https://twitter.com/garyvee/status/1520577794396377089 Weekly Mixtape Morgan Housel: Never Saw It Coming "The biggest news, the biggest risks, the most consequential events, are always what you don’t see coming." Dr. Joy Lere: Time Out "Time is slippery. How many minutes did you spend doomsday scrolling or looking at inconsequential things on your phone this week? Chances are a lot. Don't fold in on yourself with feelings of guilt or frustration. Interrogate your heart. Get curious about why you choose to spend your time how you do. Be ruthlessly honest with yourself." The Reformed Broker: It's Less Complicated Than You Think "The person who does the most always loses. " The Reformed Broker: Incoherence "When is a person most likely to buy a Ferrari? Within minutes of his startup being valued at $3 billion on the heels of the latest funding round. Less funding rounds at lower dollar amounts mean less Ferrari collecting. Now replace Ferrari with Bored Ape and tell me what the difference is. There isn’t any difference." The Irrelevant Investor: The Is Average "It’s a difficult environment for investors and it’s probably not going to get any easier. It’s not the smartest investors that will endure, but the most patient." Cullen Roche: A Cautionary Note About Home Prices " But could we see flat real estate prices for 5 years, a 1991 style 5% downturn in prices or something more prolonged? I think that’s absolutely possible and should be a base case for anyone jumping into residential real estate today." Khe Hy: Bike-Shedding --When Trivial Tasks Ruin Your Day "6 months later, they haven’t hit publish once. The trivial details are too seductive and give the false sense of progress. But they’re literally still at Square 1 (and out a couple thousand dollars)." Jared Dillian: We Are All Here To Feel A Little Stress "Because when you go through pain, and you deal with it like an adult, and you face it head-on, and you emerge—victorious or not, you grow. You grow as a person. You grow mentally, emotionally, psychologically, and spiritually." Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

"The headlines that may or may not be impacting your financial plan and portfolio." https://youtu.be/4qhk8h1Lt7A Week In Review Articles The WSJ: U.S. Inflation Accelerated to 8.5% in March, Hitting Four-Decade High The WSJ: Mortgage Rates Hit 5% for First Time Since 2011 The WSJ: Twitter Adopts Poison Pill Plan to Block Elon Musk From Increasing Stake The WSJ: Peloton to Cut Price of Bikes, Raise Subscription Fees The WSJ: Jack Dorsey Tweet NFT Once Sold for $2.9 Million, Now Might Fetch Under $14,000 https://twitter.com/mkobach/status/1515158413273149444 Weekly Mixtape Morgan Housel: Staying Put "Most of the time you see someone do something incredible, with what seems like little effort, and you ask “How did you do that?”, the honest answer is, “I’ve been doing this every day for 10+ years.” Noticing patterns and connecting the subtle dots is something that’s hard to teach in a classroom but becomes obvious when you’ve lived and breathed a field for decades." The Irrelevant Investor: What Actually Matters "It’s an unfortunate reality of life that we take so many things for granted. Nothing is missed until it’s gone." Darius Foroux: Focus On Your Skills--Not Finding Hacks "Whatever you do, avoid becoming complacent. When that happens, we always look for the easy way out. And that’s when we fall for hacks and shortcuts. Those things will only do the opposite: They set you back." Spilled Coffee: The Ever-Moving Goalpost "We chase more money, more fame and more power. We look around and compare ourselves to our friends, neighbors, co-workers and even people we don’t know. The constant pursuit of more never slows down. Everything passes you by with your constant thirst for more. The finish line doesn’t exist. What is enough? When does happiness and contentment set in?" Darius Foroux: How The Simple Act Of Showing Up Can Make You Successful "When you run into challenges, it’s important to stay positive and keep moving forward, and not give up. The moment you give in to one bad habit, it’s the start of your downfall." Of Dollars And Data: Choose Your Status Game Wisely "I know some of you will say “Just ignore the status game altogether,” but this is easier said than done. Like many other animals, we are biologically wired to respond to status. Ignorance is not the way out." Dr. Phil Pearlman: Things We Consume & Things That Consume Us "We can apply principles of IF to digital media use in general and social media use specifically as a way to manage the time we spend consuming and being consumed by noise." Dr. Joy Lere: Hard Conversations "Humans are biased and hurt by their blindspots. You are in a position to give a gift when you can expand an individual's self-view." A Wealth Of Common Sense: Why It's So Hard To Spend Money In Retirement "For most people there’s a little voice in the back of their heads telling them, “Sure, it worked out for most people in the past but what if the future is different? What if I retire at the worst possible time?”" All About Your Benjamins The Podcast: The Next Episode--Be A Dreamer Disclaimer: Nothing on this blog should be considered advice, or recommendations.

As you enter the next chapter in life, for Terry it's an encore career, it's important not to lose the ability to dream. In this episode, Terry and Justin discuss how a lack of courage keeps individuals from dreaming and why it's so important to keep those aspirations alive--to keep pushing forward. Welcome to The Next Episode... https://youtu.be/nS6NOlUw2YE Apple Podcasts Spotify Google Podcasts Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

https://youtu.be/dLpb44ujrJM Week In Review Articles The WSJ: Powell Says Fed Will Consider More-Aggressive Interest-Rate Increases to Reduce Inflation The WSJ: Mortgage Rates Hit Fresh Three-Year High The WSJ: U.S. Jobless Claims Fall to 187,000, Lowest Level Since 1969 The WSJ: Judge Ketanji Brown Jackson’s Supreme Court Confirmation Hearings: What to Know Nike: Nike Partners With the Bryant Family to Honor Kobe’s Legacy https://twitter.com/lazettabraxton/status/1507691427848929283 Weekly Mixtape Morgan Housel: How People Think "Most things are harder than they look and not as fun as they seem because the information we’re exposed to tends to be a highlight reel of what people want you to know about themselves to increase their own chances of success. It’s easiest to convince people that you’re special if they don’t know you well enough to see all the ways you’re not." The Root Of All: The Art Of Money "Art and money share more similarities than we like to think. Money, like art, is a means of self-expression; it helps you turn the life you imagine into reality. They’re both deeply personal. There is no one right way to sculpt a Greek goddess or invest in stocks. Most of all, money offers a lot of insights into human behaviors and sensations. " Darius Foroux: What To Do During A Recession-A Timeless Strategy "A recession is an ideal time to make a change. It could be switching careers, learning new skills, starting a new business, or moving to another division inside the company you work. What matters is that you stay alert and don’t let the recession happen to you.: Dr. Joy Lere: The Last Time "We don't always get to plan our endings. Loss often isn't scheduled. Death never asks when you're ready to part ways. Anyone who has had their ability to say goodbye to someone they love taken away knows this too well. When things are abruptly upended and left unfinished, it changes you." Young Money by Jack Raines: Time Isn't Money "So you derive a little less satisfaction from each additional dollar. Who cares, as long as you’re still gaining something, right? That’s where Father Time comes in. If you want to make that extra dollar, you probably have to give up some extra time. Money and happiness aren’t linear, but income and time are." The Irrelevant Investor: A Special Birthday "I just had the best birthday of my life. As a lifelong Knicks fan, there haven’t been too many highlights over the years. Last night was one of them. I’ve been going to The Garden with my father for thirty years. Unfortunately, we can count on one, maybe two hands the number of memorable games we’ve been to together" Of Dollars And Data: When The Optimists Are Too Pessimistic "But if you can fight back against your default way of thinking, you might see things a bit differently. This is probably why I’ve become increasingly bullish on our future. Because I’m finally beginning to understand compounding. More importantly, I’m seeing it play out in my real life as well. I’m experiencing things that I only used to write about." Our Tiny Rebellions: Music Is A Time Capsule "Music can make you cringe, cry, laugh, and smile. It travels across time. And sometimes, it makes sitting in the silence of the present strangely comfortable. My negative space today appreciates yesterday’s noise. It prepares me for tomorrow." The PRST: 'S' Is For Self

https://youtu.be/TTxEjigRESc Week In Review Articles The WSJ: Fed Raises Interest Rates for First Time Since 2018 The WSJ: Mortgage Rates Rise Above 4% for the First Time Since 2019 The WSJ: China’s Covid-19 Surge Shuts Down Plants in Manufacturing Hubs Shenzhen and Changchun The WSJ: After Walt Disney, Robert Iger Heads to the Metaverse https://twitter.com/Steph_Bogan/status/1505184630734872579 Weekly Mixtape A Wealth Of Common Sense: Different Kinds Of Sad "Looking back has been cathartic. It doesn’t take away the sadness but that sadness wouldn’t exist if it wasn’t for all of the fond memories we had with her." The Reformed Broker: Don't Bother Looking, It Will Find You "People who sell it will find you. That’s their job. I know these people. They know exactly what they’re doing. And once they’ve identified you they will prey upon your every weakness. Not only will they convince you that this is how the “real” wealthy people invest, they will set an artificial deadline for you to get the money in to them." Ryan Krueger: Yielding Better Results "He had a crazy job offer for his good buddy available - director of program development. Griff had it made in every way after making partner in the law firm making close to seven figures, and a loving wife with the deepest of roots in Houston. He was offered a basketball job, to move across the country for $32,000 a year salary." The Irrelevant Investor: It's Been A Good Run "What you do need is a plan. And nobody who’s selling all their stocks today has a plan because nobody’s plan is to panic sell. If you’re trying to grow your wealth, and I don’t know any other reason for investing, then part of the plan has to include living through discomfort. Any strategy that’s predicated on all upside and no downside is bullshit." Of Dollars And Data: Great Depression Or Bust "First, they tend to assume that every market correction is “the big one” though it probably won’t be. And, second, even when “the big one” comes, what’s happening in their portfolio will probably be the least of their worries." Cameron Rufus: Lessons From The Bar "Chance was also created to represent all of us. As an economy and emotionally; They each move in cycles. We all have this euphoric period where everything is great and we feel unstoppable. Until real life sets in, we implode, and everything that seemed so sure comes crashing down." Jane McGonigal: Mental Time Travel Is A Great Decision-Making Tool — This Is How To Use It "Whatever you see in your future will always come from information your brain has already perceived and processed. Ideally, as you get better at imagining the unimaginable, you’ll incorporate not just obvious ideas and events but also surprising things that could be important in your future." The PRST: The Importance Of Confidence Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

https://youtu.be/hdkxomMsKCQ Week In Review Articles The WSJ: Inflation Reached 7.9% in February; Consumer Prices Are the Highest in 40 Years The WSJ: Senate Passes $1.5 Trillion Spending Bill That Includes Aid for Ukraine The WSJ: Bitcoin Price Surges on Biden’s Crypto Executive Order The WSJ: Amazon Board Approves 20-for-1 Stock Split, $10 Billion Share Repurchase The WSJ: MLB Owners and Players Agree to New Contract, Saving 2022 Season The WSJ: A Brooding ‘The Batman’ Revives Moviegoing With Top Opening This Year https://twitter.com/khemaridh/status/1502786950775783425 Weekly Mixtape Morgan Housel: Low Expectations "Munger is right that unrealistic expectations assure misery, for two reasons. One is that the world is a fragile and volatile and complicated place, and the only way to avoid disappointment is to expect it. Second is that progress tends to move the goal post. So the only way to enjoy the modern world is if your expectations rise slower than its progress." Jack Raines: F*ck You Money "Ironically, the best indicator of having "f*ck you" money is the absence of having to think about money at all." Khe Hy: Are Ambitious Parents Bad Parents "I had discovered Ikigai. I operated from a flow state. And I smiled a lot" A Wealth Of Common Sense: Some Thoughts On Bear Markets "Volatility test your emotions and intestinal fortitude. Extended downturns test your patience and resiliance." The Reformed Broker: Say Less "Stop talking about non-financial events as though they can be quantified by glorified bookies running Excel models at an investment bank. Stop speaking in percentages when a misheard remark could change the course of a war and a stray bullet could change the world. Surely you must know better. Saying less is always a good option." Bob Seawright: Words To Live By "Everything can't be measured. In fact, the more important it is — love, learning, wisdom, imagination — the less it can be measured at all, and the more disastrous any attempt to do so tends to be." Jason Zweig: The Secret To Braving A Wild Market "Second, investors need not only the courage to act, but the courage not to act—the courage to resist" All About Your Benjamins: PRST On Our PRST: Surf's Up With Tyler Galbraith On Our PRST: Designing Life With Carl Paoli Fox 59: Dealing With Rising Prices https://youtu.be/xH-prWTTdGA Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

This conversation with Carl Paoli is the perfect sendoff for The Pursuit--going forward The Pursuit can be found on it's own podcast channel, PRST. Carl is a legend in the CrossFit community and although I've moved on from being a crazy CrossFit junkie, I've continued to follow him. Recently I noticed more of his content talking about mindset, designing life, and other themes that complement what we discuss on the PRST. Tune in as we discuss the importance of exploring in life, how he helps people assign meeting to new spaces people have felt, his work as a coach helping individuals obtain autonomy, and more. I could have talked with Carl for hours and I'm already working on manifesting a trip to San Francisco to hang with him in person and even shoot a PRST short with him as the subject. Until that trip happens, I'll be joining his May Interface Experience and Insider Circle. Be sure to give Carl a follow and if what he says resonates with you, then you should check out his community and courses. Let's get to The Pursuit... https://youtu.be/-4hoH1PfPmg Apple Podcasts Google Podcasts Spotify Follow Carl Freestyle Carl's Instagram Carl's Twitter Freestyle YouTube Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.

Retirement has brought more time to Terry's schedule and he discusses how he is prioritizing his time management to maximize his happiness. Welcome to The Next Episode... https://youtu.be/AeBTQnnk_zk Apple Podcasts Google Podcasts Spotify Books The Mount Of Olives Atomic Habits Disclaimer: Nothing on this blog should be considered advice, or recommendations. If you have questions pertaining to your individual situation you should consult your financial advisor. For all of the disclaimers, please see my disclaimers page.