This “second shift” is simply part of your life, and it doesn’t care whether you’re the primary earner or not. Women breadwinners carry demanding careers, shoulder financial responsibility, and still manage the invisible labor that keeps families running. It’s exhausting, and it’s far more common than people like to admit.

As a new year begins, this can be a powerful moment to address what many couples struggle with quietly: how partnership works when traditional roles no longer fit. Below, we’re exploring why women tend to take on too much, what challenges need to be talked about more, and what you can do to bring greater equity to your homelife.

The Reality of Female Breadwinners 

More women than ever are the primary earners in their households. In a 2023 study, 45% of women with children at home were considered the family breadwinner- compared to just 38% in 2000, 27% in 1980, and 17% in 1970 (which is as far back as the study goes.) 

Yet, despite the rise in women’s economic influence, women continue to put in more hours of unpaid labor at home- disproportionately sharing household management chores and caregiving responsibilities. In a marriage where both spouses earn around the same amount, women spend on average 6.9 hours caregiving (for children or loved ones) and around 4.6 hours on housework. Husbands spend 5.1 and just 1.9 hours, respectively.

Perhaps not to much surprise, cultural expectations are slow to adapt to the evolving, multifaceted roles women play in society. Economic roles are shifting faster than social conditioning, and many couples find themselves operating with outdated assumptions that, in all likelihood, they never consciously chose. It’s easy to say “choose your partner wisely,” but until you’re in a position that challenges the status quo, you can’t fully anticipate how it will feel- or how your partner will respond when long-standing norms quietly fall apart.

The Emotional Reality

High-earning women are prone to feeling a wide array of valid and difficult emotions:

• Exhaustion from carrying so much responsibility
• Resentment when support doesn’t materialize
• Guilt for even wanting things to feel more balanced

Many women hesitate to ask for help because they worry about appearing ungrateful, demanding, or “too much.”

For men, especially those who didn’t expect to step out of the traditional breadwinner role, the experience can be disorienting. They may feel emasculated or uncertain about their place in the family- even when they fully support their partner’s success. Without language or space to process these emotions, many men withdraw or default to familiar patterns rather than renegotiating roles.

The Problem with Traditional Partnership Models

Traditional partnership models often assume that the breadwinner receives relief at home. Historically, that model worked…for men. They’d work a full day before arriving back to a clean home, a hot dinner, and little expectation to care for kids.

For women, that relief often never arrives.

Cultural conditioning still places household and emotional labor squarely on women’s shoulders. The result is a mismatch between contribution and recovery. Women may bring in the majority of household income while still managing calendars, meals, children’s needs, and family logistics.

True partnership, especially in a home where a woman is the primary earner, doesn’t come by simply dividing chores evenly. Couples need to consider equity in all aspects- especially equity in leisure time. Who gets to rest? Who gets uninterrupted time to recharge? Who carries the mental load even when no one is watching? Without addressing these questions, no amount of surface-level task splitting will feel fair.

How to Create a New Partnership Model

Your first step? Have a conversation. Start by acknowledging that both partners’ feelings are valid, even when they’re uncomfortable. Create a safe space for honest discussions about the concerns you both have and why a change is needed.

As you talk through these challenges, remember that labels like “breadwinner” may not be all that helpful. Moving past them can actually feel liberating for both partners since contributing meaningfully to the household should be based on shared responsibility- not income status.

Audit Your Time and Consider Outsourcing

Look honestly at who does what, and who has more “free time” throughout the week. Simply making each other aware of what your day-to-day feels like can be eye-opening.

Then, focus on redistributing responsibilities based on each other’s typical capacity and workload, not gender. If one partner’s job is more demanding during a certain season, the household should flex to support their needs.

If it works within your budget, consider outsourcing some household responsibilities as well. Cleaning services, meal preparation, childcare support, lawn care, or administrative help can all be important investments in protecting your time and peace.

However you choose to move forward, try to check in regularly. What works this year may not work next year, since job titles change and responsibilities grow. Revisiting these conversations proactively can help prevent resentment from building quietly in the background.

Introducing Modern Husbands

Modern Husbands, founded by Brian Page, specializes in helping dual-career couples manage money and home as a true team. 

They focus specifically on supporting female breadwinners whose professional success needs to be matched by real equity at home—not just in income or chores, but in leisure time and emotional load. They also help men who aren’t primary earners process the complicated emotions that come with identity shifts, so they can show up as confident, engaged partners.

Household management, caregiving, and emotional labor all have real value when they are distributed intentionally. When non-primary-earning partners engage fully in these areas, it strengthens the household as a system and relieves pressure where it matters most.

Resources like Modern Husbands exist because this challenge is real and common- you’re not alone in navigating it. If you’d like to learn more, we invite you to schedule a call with our founder Brian today.

 ^{1 Breadwinning Women Are a Lifeline for Their Families and the Economy
 2 In a Growing Share of U.S. Marriages, Husbands and Wives Earn About the Same}

The post When She’s the Breadwinner: A New Year’s Guide to Partnership Equity at Home appeared first on WealthChoice.

It’s understandable to feel uncomfortable. Talking about a prenup can feel like questioning the strength of your relationship or your partner’s integrity. Here’s the good news: while it might not spark as much romance as a getaway to the tropics, it’s a proactive financial planning tool that can actually strengthen healthy communication, set expectations, and head off future disagreements.

So, what’s the best way to tackle such a potentially touchy subject? 

Frame it as a mutual strategy session, not a test of love. Here’s what you need to know and how to broach the prenup conversation in a way that honors your commitment to one another as well as your financial reality.

What a Prenup Actually Protects (and What It Doesn’t)

Think of a prenup as a conversation starter to help you discuss what’s yours, mine, and ours, creating a clear distinction between assets you own before marriage (separate property) and assets gained after the wedding (marital property). For high-earning women, this can help protect:

• Business interests
• Stock options
• A professional practice built prior to the marriage
• Retirement Accounts
• Investment portfolios

A prenup can also protect you and your partner from negative assets incurred before you say “I Do,” like credit card debt or student loans.

What it can’t do is predetermine child custody, support, or visitation rights. It also can’t override certain state laws or dictate routine matters of married life, like whether the silverware goes right side up or down in the dishwasher. 

The biggest misconception about prenups is that they spell certain doom for a relationship. In reality, they offer a practical way for each partner to have a voice. It’s an intentional conversation that opens the door to vulnerability, trust, and mutual respect. 

Special Considerations for High-Earning Professional Women

If you’re still on the fence about a prenup, another thing to consider is your career and income trajectory. What happens to increased earnings from promotions or bonuses after marriage? Or, what if your future income includes non-equity compensation, like stock options or restricted shares? Vesting schedules can make dividing these assets complicated, especially from a tax perspective, which makes having a plan even more important.

Assets like a business or professional license create another layer. For business owners, prenups can offer protection, such as insulating your company from legal action if your spouse were to get sued. And while your medical license might not be something the courts can split in the event of a divorce, it does carry monetary value, especially if your partner supports you during medical school. 

Another consideration is family wealth or a future inheritance. You may want to share it, or not. Or, you may want to split the interest from inherited funds, but not the principal. Whatever you decide, talk about it now–not when you’ve just come into money and are potentially also grieving.

Having “The Conversation” – A Strategic Approach

Now, to address the elephant in the room: how do you actually start a conversation like this?

1. Timing Is Everything – Talk about a prenup before the seating charts and dress alterations take over your free time. Wedding planning can be stressful; avoid letting it spill into an important financial conversation.
2. Emphasize “Us,” Not “Me vs. You” – A prenup is all about mutual protection and ensuring each person has a voice, championing clear communication–a healthy habit in any relationship. 
3. Encourage Independent Legal Representation for Both of You – Don’t leave room for either side to feel outmatched or in the dark.

Try starting with “I want to make sure that when things get tough, we can fight for each other out of love, not the fear of a financial mess,” or “I want us to be clear about our financial future so we can focus on building our life together.”

Working with the Right Professionals

Hard conversations benefit from the right help, especially when they involve complex legal and financial matters. When searching for a family law attorney, ask questions like:

• How much experience do you have?
• How do you handle negotiations while ensuring everyone feels valued?
• What about fees and billing practices?
• What are the state requirements for prenups?
• What if we need to change anything in the future?

Once you’ve found the right help, bring in a trusted financial planner. They can help you anticipate financial and tax implications within the scope of your long-term plan.

Ready to take the next step? Contact Amanda D. Singer, Esq., MDR, CDFA® for a consultation, and connect with the WealthChoice team to build a prenup that complements your financial strategy.

Sources:

https://www.forbes.com/sites/kimelsesser/2025/05/05/women-who-outearn-husbands-face-higher-marital-strain-study-says

https://wcnllp.com/something-old-something-new-something-smart-a-prenup

https://www.legalzoom.com/articles/prenuptial-agreements-what-they-can-and-cannot-protect

https://themckinneylawgroup.com/prenuptial-agreements-and-professional-licenses-protecting-your-future-earnings/

https://state48law.com/benefits-of-a-prenuptial-agreement-for-business-owners/

https://www.millerlawattorneys.com/single-post/the-role-of-a-prenup-lawyer-when-to-hire-and-what-to-ask

The post Do I Need a Prenup if I’m the Breadwinner? appeared first on WealthChoice.

The key to successful multigenerational wealth planning is to start early, facilitate open conversations, and engage with a professional who can direct your loved ones even in your absence. For family matriarchs, being a good steward of multigenerational wealth becomes increasingly important as women face unique challenges like longer life expectancy and widowhood—both of which put them in the role of primary financial decision-maker for their families. 

Let’s take a look at what goes into preserving your family’s financial legacy for many generations to come.

3 Challenges Affecting Wealth Transfer

Why, exactly, is transferring wealth from one generation to the next such a challenge?

Not only is there a level of fiscal responsibility each member must uphold, but the family dynamics and interpersonal relationships can add a level of complexity as well. Here are three challenges many families face when establishing a wealth transfer plan.

Financial Literacy

Financial education is not often taught in schools, meaning it falls to the parents, grandparents, or to the young people themselves to increase their financial literacy. But without a basic understanding of financial concepts like budgeting, saving, investing, and thinking long-term, your next generation of wealth stewards will likely not be able to manage a large inheritance responsibly.

Lack of Communication

You know what they say about making assumptions. When it comes to building a plan for the future of your wealth, never assume your children or grandchildren know exactly what you want. One of the biggest pitfalls of multigenerational planning is neglecting to communicate openly between generations.

Money may still feel like a taboo topic in your family, but it must be discussed. You want your younger generations to be good stewards of their inheritance, and they want to understand your wishes, values, and strategies for building and preserving wealth.

Set aside time to encourage your family members to ask questions, include them in meetings with your professional advisors, and start to pull back the curtain on your portfolio (even if it feels uncomfortable). 

Complex Assets

Generally speaking, the larger an estate, the more complex it becomes. Your multigenerational wealth plan may involve all sorts of assets, from investment properties and trust funds to family businesses and large brokerage accounts. Your next generation of family leaders aren’t just receiving a lump sum of cash—they’re being entrusted with a variety of assets that involve different tax treatments and levels of oversight. 

4 Key Components of Effective Multigenerational Wealth Planning

Now, let’s take a closer look at what goes into building an effective multigenerational plan for your family. 

Tax Efficiency

The tax treatment of your assets, particularly during the wealth transfer process, can have a significant impact on the longevity of your family’s wealth.

You’ll need to work with a financial advisor and tax professional to incorporate tax-minimizing strategies. For example, you may find opportunities to reduce estate taxes (federal and state, if applicable), leverage lifetime gifting, and coordinate income tax strategies across generations.

A well-constructed wealth transfer plan will also likely include tax-advantaged investment vehicles, such as Roth accounts or trusts. By being proactive with your wealth’s current and future tax liability, you can help your loved ones preserve more family wealth and avoid the erosive effects of unchecked tax liability.

Legal Planning

Certain legal tools and documents can serve as the foundation for long-term multigenerational wealth transfer. This may include, for example, establishing certain trust structures to preserve wealth and provide control over how and when assets are distributed. 

Tools such as family limited partnerships and LLCs can also be used to manage business assets and real estate holdings. Your legal strategies and planning can also extend to include some estate planning essentials, such as healthcare directives and durable powers of attorney. Once established, these documents help ensure your loved ones can act on your behalf when needed. 

Charitable giving strategies, such as donor-advised funds or family foundations, can also be incorporated to reflect your values and provide benefits to both your family and the causes you care about.

Family Governance and Communication

Affluent families that are able to preserve wealth from one generation to the next often have one clear trait in common—clear family governance backed by strong inter-generational communication.

Beyond holding an occasional meeting, true family governance requires a steady structure that can be used for decision-making, resolving conflict, and ensuring a shared understanding of family goals. You may consider, for example, creating a family mission statement and forming a family council. These guardrails can help guide future decision-making while providing clarity and continuity over time. 

Legacy Preservation Beyond Money

Your family’s wealth legacy goes beyond bank accounts and balance sheets. It’s just as important to pass down the values and stories that give each family member a sense of shared purpose as well.

Consider what can help you build a more meaningful and lasting legacy beyond a financial inheritance. Perhaps you’d like to start documenting in books or videos some of your family’s history or volunteer alongside your children or grandchildren on a regular basis. 

If you own a family business, having a clear succession plan is also vital to ensuring continuity and protecting the business’s long-term value.

Special Considerations for Women

As the matriarch of your family, your multigenerational wealth plan should account for the unique responsibilities (and challenges) that come with a longer life expectancy. For example, consider what proactive strategies you can leverage now to cover your future financial needs (like long-term care) without diminishing your loved ones’ inheritance.  

Statistically speaking, you’re likely to become a solo decision-maker later in life, which means you’ll also need to start building your support network now. Find a financial advisor you trust to guide you and your family through this wealth-generation strategy, and get your children or grandchildren acclimated to your financial landscape early on. You don’t want to leave your loved ones with surprises or questions that can’t be addressed later on.

Empowering your daughters and granddaughters with financial knowledge and independence is one of the most impactful gifts you can offer. A thoughtful, forward-focused multigenerational plan can do just that.

How WealthChoice Supports Women in Multigenerational Planning

At WealthChoice, we take a proactive, family-centric approach to wealth management that recognizes the vital role women play in shaping their family’s financial future. We work closely with our clients to create customized strategies that reflect their values, goals, and family dynamics.

Through facilitated family meetings, financial education tools, and ongoing support, we help ensure that each generation is prepared and engaged. Our process goes beyond planning for what happens when you’re gone—we focus on empowering you and your family to make confident financial decisions today.

If you’re ready to start building your family’s financial future, we invite you to begin the conversation with our team today.

The post Multigenerational Wealth Planning: Preserving Your Family’s Financial Legacy appeared first on WealthChoice.

The gender pay gap sees women paid about 82 cents to every dollar earned by a man, according to analysis by the Pew Research Center in 2022. This pervasive divide is driven in part by gender and racial discrimination, workplace harassment, job segregation and a lack of workplace policies that support family caregiving, which is still most often performed by women.

Women who leave work to raise their children face decreased wages when they return. They also face very real biases about being less committed to their work, which can lead to a lack of growth opportunities. Age is another factor that is wrongly synonymous with “worth.” For women aged 45 and over, the pay gap extends to 73 cents for every dollar a man makes at the same age. When looking at race, the gap only grows.

As well as seeing my clients battle with this, I’ve experienced the gender pay gap firsthand.

After repeatedly confronting the unique financial challenges that women executives face, I knew I had to go my own way. WealthChoice was created as a place where I can do the work I love in a way I know will have the most impact, and that I am fairly compensated for.

It seems like the most basic request: to simply be paid the same as men who do the same work as us (or sometimes even less!). And yet a gender wage gap has been recognized in a shocking 94% of occupations, stretching all the way to the C-suite. The gender wage gap continues to permeate our professional lives, impacting the health, wealth and well-being of women across the whole of the US.

So What Can Be Done About the Gender Pay Gap?

My job is to advocate for the betterment of the lives of the women I work with. I take great joy in watching them find empowerment and satisfaction in their financial lives. So it really galls me when I hear of the unequal pay or stifled professional development they experience at work.

While I can’t change the numbers on their paycheck, a major way I can help my clients is by ensuring they use the money they do earn as wisely as possible. And the good news here is that there are certain wealth strategies we can put in place that will cushion their financial plan from the negative impact of the gender pay gap.

I recently took on a new client, a woman who is a top tier executive in a large tech firm. When discussing her income I sadly wasn’t surprised to learn of the pay disparity she experiences, despite her senior position.

We spent a lot of time chatting about how this affects her at work, and the mental and emotional toll it takes when feeling so overlooked and underappreciated by her male peers. Then – with an admitted glimmer of “We’ll show them!” – I set about telling her how I will help her work to negate this wage gap as much as possible through well considered and impactful financial choices.

Pay parity is a hugely important element we factor into our planning processes with our clients at WealthChoice.

After all, the earning power of women dictates our ability to live the life we want – and that is the hallmark of our approach to financial planning and the management of women’s wealth.

Working closely with our clients to understand their dreams, goals, ambitions and areas of personal fulfillment is integral to how we operate. Having a plan to maximize your income is critical for any executive – male or female – but it is a really important consideration for female executives, business owners and professionals who are battling an uneven playing field.

The Importance of Knowing a Woman’s Worth

When you’re not getting paid what you’re worth, you don’t get the opportunity to save as much as you should. That translates to lost incomes, lost social security benefits (which are scaled on your pay), and lost portfolio growth over time.

While we’re all familiar with the fact that women executives are paid less than men for doing the same jobs, a lesser known fact is that the average woman executive leaves a million dollars on the table over the course of her working life, simply by not knowing how much she is worth, or asking for what she deserves.

How is this possible, you ask? It starts with knowing your professional value. Where men generally have no problem asking (or overasking) for what they are worth, women seem instinctively averse to it. Moreover, women executives often don’t know the market value of their work. Women report salary expectations between 3 percent and 32 percent lower than those of men for the same job.

Failing to negotiate plays a significant role in wage disparity. A study from Carnegie Mellon University revealed that 8 times as many men as women graduating with a master’s degree negotiated the starting salary of their first job. The first job sets the tone for your earning potential over your entire career. By not negotiating, a woman stands to lose over $500,000 by age 60.

What Does the Gender Pay Gap Mean for Our Economy?

Gender equality around pay has long been an issue in the US labor market. June this year marked 60 years since the passing of the Equal Pay Act, which “prohibited discrimination on account of sex in the payment of wages”.

Yet the situation in the US is still only slightly better than the world average – where most women are paid around 20% less than men – but 18% less can still make a significant impact to a well-structured financial plan. This has a persistently negative impact on the American economy as a whole.

According to Moody’s Analytics, we can expect to see an additional $7 trillion injected into the global economy – that is about 7% – if the pay gap between men and women is narrowed more rapidly. The problem is, at the current rate, the gender pay gap will only be closed in about 132 years.

However, if women in the US were to receive equal pay, then it is anticipated that this would cut poverty among working women and add in the region of $482 billion to the American economy.

For example, in the state of California, where we have a number of clients, pay equality would equate to a significant economic boost. “If women were paid the same as comparable men in California, the state’s working women would have earned $51.8 billion more dollars, an earnings increase that, by itself, is greater than the entire economy of South Dakota ($45.9 billion)”, wrote the authors of briefing paper for The Institute for Women’s Policy Research, Heidi Hartmann, Jeff Hayes and Jennifer Clark.

How Does This Impact Women’s ‘Wealth Gap’?

As I wrote in my book, Corner Office Choices, no matter what industry you work in, being a woman in that industry will bring unique challenges that men don’t have to deal with. The response isn’t to resign ourselves, nor is it to get overly caught up in fighting for systemic change. Instead, the most constructive approach is to identify what those challenges are, and get the resources you need to overcome them.

Over the past two decades, very little has been done to fundamentally shift the status quo. This means more women play a juggling act with their time and their money, but with fewer opportunities to invest more into their own financial futures.

Just recently, the Center for American Progress think-tank released a paper determining that persistent gender pay gaps had cost American women $61 trillion in financial resources since 1967, when the Equal Pay Act was signed. While all women are impacted, Latina and Black women workers continue to be worse off.

The personal upshot of this is that women continue to be caught in a ‘wealth gap’, unable to catch up with their male counterparts. As Rose Khattar, Director of Economic Analysis at the Center for American Progress, said about the report’s findings: “That’s lost wages that could have been injected into the economy in the form of consumer spending. That’s wages that women could have used in terms of investments to build up their wealth.”

Just consider these three personal impacts that the wealth gap might be having on your own financial planning:

• Retiring in Style: The long-term implications of the gender pay gap are particularly noticeable when you start drilling down into the retirement income women can expect versus men. Since earnings over the course of a woman’s life are below that of a man, they receive less in pensions and Social Security which means that when it comes time to retire they can expect to have 70% of a man’s retirement income. Worryingly, many women go into retirement with less income than they had when they were working; making it impossible to maintain their standard of living.
• Emergency Fund Savings: As a female breadwinner, or as a working woman contributing to the family finances, some believe it is important for women to save even more into their emergency funds. This is, in part, due to the household demands on women and their more precarious standing in the labor market. And yet they have one hand tied behind their backs as they build up these savings.
• Investing in Stocks: Earlier this year a report by BNY Mellon noted that if women invested in the stock market at the same rate as men, there would be – at very least – an extra $3.22 trillion in assets under management. The gender pay gap was just one of the factors behind this imbalance highlighted in the report, the others being financial confidence, education around investing and less disposable income (which is where the pay gap really bites).

The Benefit of Women-Focused Advisory Firms

Many of the issues impacting how women accumulate wealth can be linked to personal preferences for investing – since traditionally women tend to be more conservative and have lower risk tolerances – but also because the financial world is geared towards men and, by and large, continues to be male dominated.

However, having a female financial advisor in your corner also makes a big difference. After all, women have unique financial needs and often find themselves handed cookie-cutter advice that might suit a man, rather than benefiting from crafted solutions that help them live their best life.

Women want more than just accepting what is pushed across the table at them, they value honesty and transparency, relationships built on trust and access to investing information that aligns with their personal values. Many women find they can get this by using a female advisor.

It’s important for women executives to recognize that no matter where they start, there’s only so much time they have left, and only so much money they can make within that time frame. It is vital to understand the long term implications of how they choose to use their resources.

My job is to help women executives understand that their current way of life is a choice, and to help them see what other choices are available to them. What do they need for their own life? What does quality of life mean to them? And what is involved in creating it?

At WealthChoice we tailor-make our clients a financial plan that not only takes the issue of gender pay disparities into account, but seeks ways to counter these issues and provide sustained financial stability and growth.

Please do get in touch if we can help you navigate any gender pay gap issues you’re experiencing. We stand as your advocate, support system, and ultimate cheerleader as you head to work every day and learn to bridge the gaping wage divide until the day eventually comes when we no longer have to. Until then, we’re here for you.

The post Women Executives and the Gender Pay Gap. What Can We Do? appeared first on WealthChoice.

Like so many working women before her, this woman was feeling overwhelmed by the demands of a professional career and a family. She was finding it challenging to manage intense full-time work while giving her spouse and young children the time they needed. She felt trapped, spread too thin and overawed by the demands of juggling almost every aspect of her life.

I was extremely grateful for the feedback I gained from this interaction, specifically because I know from past experience that the WealthChoice way can – and will – help her manage all these touchpoints.

For many executive women, life is a day-to-day tightrope walk while juggling career and family. Many of these women have little time to live life on their terms, let alone have some sort of financial strategy for the future they’d like to enjoy.

Fortunately, my brand of bespoke financial planning, which considers all aspects of a woman’s working and personal life, breaks away from the traditional one-size-fits-all model of financial planning to create holistic solutions that support busy breadwinner businesswomen and enable them to live their best lives.

Starting a Family Takes Precision Planning

The process starts with an open and honest conversation, an in-depth examination of your financial health, your goals and your specific personal and professional challenges. From there, we craft a life plan that works – for you!

In my experience, working women – and particularly breadwinner businesswomen – should begin to plan financially from the moment they start thinking about starting a family. This includes putting in place a plan for job flexibility and understanding the maternity leave options at their company.

In particular, it’s important to focus on the following:

• Know Your Maternity Leave Income Coverage: Questions you need to be asking yourself include: How long will I receive a salary from my company? Will it be 100% or a portion? Does my state provide disability for maternity leave? How will my income be impacted with a child? Will I be able to cover the increase in expenses if my income decreases?
• Reassess Your Budget: You’ll need to consider new budgetary line-items such as childcare, equipping your home for a baby, as well as clothes, accessories and food. Plus it’s critically important to decide when to start contributing to a college fund (I always recommend from the moment your child is born, so you get the full benefit of growth over time).
• Increase Your Insurance Cover: For every new parent it is an imperative to have life insurance. If you already have life insurance, then it’s important to review how much you have and assess if it is sufficient. Not only should you consider the medical costs associated with having a child, from prenatal appointments to childbirth classes, you should also consider the cost of insurance once you’ve added your child to your plan.
• Build Your Emergency Fund: Since your family is expanding it’s an excellent idea to put more into your emergency fund for those just-in-case moments. As a rule of thumb, it is good practice to have an emergency fund with at least six months of fixed expenses in cash if you are single, and three months if you have a working spouse or partner.
• Update Your Will: If you don’t already have a Will, then it’s important to have one in place before your baby is born. This document will ensure that your child inherits your assets in the event of your death and, if they are a minor, clearly states who will care for your child.
• Consider Upcoming Expenses: If your current home is small, then you’ll also need to factor in the possibility of moving house or investing in a bigger property as your child grows up. When you do start looking, remember that considerations like proximity to good schools and nurseries will now become really important.

On a more personal note, I resonated with this series of positive and affirming tips from life purpose coach Erica Carrico. Stop trying to be perfect, she says. Take time out to have fun, and to be open to help – be it a daycare or even a family organizer. Carrico also affirms my view that filling your own cup first is the best gift you can give to your family; it helps to keep you focused, positive and in the moment.

Advice for Entrepreneurs and Tech Startup Execs

A few years ago I read an article in Forbes magazine in which the writer suggested that as a female entrepreneur and mother, women should “accept that there is no such things a ‘balance’.”

For any breadwinner businesswomen at the helm of an organization – and especially those steering highly competitive tech start-ups – I would argue that balance comes naturally if you focus on prioritizing. This only works if you take the time to decide what is important – including you! – and tailoring your schedule around those commitments.

If, for instance, attending your child’s baseball games is a non-negotiable, then block out the time in your diary – just as you would with a client meeting. Turn off your phone, and give your full attention to the little person on the pitcher’s mound.

As Forbes contributor Nona Djavid wrote: “I do not check my email or Slack messages, and I focus on my current situation. I want him to remember that Mom showed up to every lesson to cheer him on and watch him improve.”

As a personal note, I still remember when my daughter told me that I never listened to her. It stung terribly, and I decided then and there to be more present. Now, I make sure my attention is 100% focused on my children when I’m with them or speaking with them from across the country.

Considerations for Women Lawyers

While all careers require heavy time commitments, a special word needs to go out to breadwinner businesswomen working in the notoriously demanding legal profession, where many regularly work more than 60 hours a week and a single week of vacation a year is not uncommon.

In a 2023 Law360 Pulse survey 31% of female lawyers said their work-life balance had deteriorated in the past year (compared with 18% of male lawyers) and 46% reported feeling continual stress (compared to 28% of men polled).

Fortunately mother-friendly legal firms are emerging across the US; practices that are turning their backs on traditionally glass ceilings and finding ways to support female lawyers through mentorship and career guidance. Some of the advice shared by female lawyers who find themselves juggling these very commitments, includes supporting one another, being adaptable, communicating your needs clearly, planning and prioritizing.

Even for women lawyers who choose to take on a part-time position to help prioritize family time, the unpredictability of the profession means that long hours are inevitable. Which means that, for any woman in the legal profession, full-time childcare is inevitable. One of the positive results of the 2020 pandemic was the ability for many in the legal field to have some flexibility around their work hours and location, so where possible it is advisable to build on those gains..

Remember: Outsourcing Is OK

In a previous blog I wrote – Female Breadwinners: The Challenges of Doing It All – I shared some eye-opening facts about women in the modern American workplace. For instance, that 41% of American mothers are the “sole or primary breadwinners for their families” who earn at least half of their household’s total income.

Not only are women often breadwinners at home, they are increasingly in senior positions in the office. This means that women need help. And they shouldn’t be afraid to ask for it.

I’ve had many conversations with breadwinner businesswomen who complain of a lack of time, but still insist on packing school lunches, cleaning and doing laundry. If you are dealing with intense hours and heavy work pressure then something has to give. If you push yourself to be all things to all people, that something to snap will be you.

By outsourcing to a housekeeper, or enrolling your child at daycare or with a trusted nanny, you are ensuring that you offer your family the best version of yourself when you walk through the door.

However, with the rising cost of childcare it is critically important to plan upfront for the costs associated with childcare, as well as the projected increases over the coming years. Fortune magazine puts the yearly cost of childcare in the US at $14,117, a figure that has accelerated by more than 41% in recent years. As a result, I work closely with my clients to ensure that budgets are in place to prioritize childcare, preschool and even summer day camps.

We also take the time to weigh up the IRS tax credit of up to $6,000 a year for two or more children versus making use of a Dependent Care Flexible Spending Account (FSA). Contributions to a Dependent Care FSA are capped at a pre-tax limit of $5,000 per calendar year (per couple), and these funds can be used to cover eligible dependent care services, like daycare. Since the FSA is only available to employees, it’s important to see which option best suits your situation.

What Does Your Ideal Life Look Like?

Before I took the plunge and started WealthChoice I had to ask myself the question: What does my ideal life look like? Today I challenge my breadwinner businesswomen clients to answer this for themselves, then to work with me to design a financial plan that supports her dreams and ambitions, and allows her to live life on her terms.

My approach is centered on choices – from the way you spend your money to the decisions you make around childcare, promotions and career decisions. Making the right choices for you is both freeing and empowering. If you’d like to work with me to help give power to your choices, get in touch and let’s chat.

The post For Breadwinner Businesswomen, Starting a Family Takes Precision Planning appeared first on WealthChoice.

On a daily basis, as I interact with women executives at the pinnacle of their careers, I encounter accomplished, impressive, intelligent and driven high earners; many of whom are the financial breadwinners in their families.

To the casual observer, these women certainly seem to have it all. However, they are also frequently anxious, tired, and overwhelmed. They have too much on their plates, not enough time to deal with it all, and are embarrassed to ask for help. Despite how hard they work, many are not living their best lives right now. And they do not realize they are not the only ones in this place.

Finding Balance as Female Breadwinners

According to the US Bureau of Labor Statistics, in 2018 nearly 30% of American wives in heterosexual dual-income marriages earned more than their husbands. That’s up from about 18% in 1987 and just 6% in 1960.

Not only that, according to data from 2017, 41% of mothers “were the sole or primary breadwinners for their families, earning at least half of their total household income”. This is increasingly the case among high-performing women executives who are often not only the sole financial provider for their families but still carry a disproportionate burden when it comes to household and family responsibilities.

Hardly surprisingly, research shows that despite the impressive financial gains women have made in recent decades, this does not always translate into greater life satisfaction. The Institute for Family Studies (IFS), which has explored the phenomenon of the ‘breadwinner mom’, singles out traditional gender norms as a possible reason.

After all, many of the expectations that women are always readily available to their families and spouses remain stubbornly in force, despite the increased financial contribution women are also expected to make.

These days, as IFS researcher Wendy Wang points out and as any mutually-supportive couple will know, “sharing household chores trumps money when it comes to a successful marriage”.
But this is only one aspect of a delicate and challenging balancing act facing today’s successful woman.

The Challenge of Being Everything to Everyone

In my experience, even when help at home is at hand, the constant demands on high-earning female executives and professionals inevitably pushes the woman herself further and further down the list of priorities.

The solution that is so often advised in such cases is to ‘find balance’ or ‘make time for you’. Both of which can be a challenge for any woman already juggling high levels of responsibility and stress.

Rather than loading more on the shoulders of my clients, I prefer to offer a helping hand. This is the very reason I started WealthChoice, to offer top-earning women a goal-focused approach to financial planning. Our role is to offer real value by taking things off the busy breadwinner’s plate, and by helping each woman to prioritize her time and her goals.

We start this process by getting to know each other. In practice, this means answering questions about priorities, hopes and dreams for the future, as well as personal ambitions and goals. For instance:

• How in tune are you with your dreams? Have you written them down?
• Do you have a network of like-minded women around you to offer support?
• Are you putting your dreams on hold today because you are overly focused on the future?
• Do you have a financial strategy in place which is aligned to your current and future ambitions?
• Have you discussed your personal and financial goals with your spouse or partner?
• Does stress overwhelm you to the point where you feel overcome with decision paralysis?

Prioritize You!

Only when you start to give expression to these questions, and then marry your expectations with mindful professional, personal and financial goals, will you be close to ‘having it all’. And, even then, balance is a constant and evolving process that requires frequent resetting and rethinking of your priorities.

For instance, in the past I took on more board roles and worked with many non-profits, but at this stage of my life I prefer to allocate ‘me time’ to traveling and being with family and friends. I adore cooking and entertaining, and for my own sanity I make time to play golf and to dabble in pickleball. Since my four kids are scattered all over the country, in 2022 we all set off to Paris. At least once a year we try to go away as a family.

As you might have guessed, I am at my happiest when I’m spending time with my family, so I am conscious of ensuring that my financial – and time management – decisions support this overarching goal. This sometimes requires making hard choices, but because the goal is so important to me I’ll move mountains to make these moments happen.

This deep personal awareness also makes it easier for me to empathize with the needs and wishes of my clients. I don’t blink when a top female lawyer tells me she wants to book an extensive holiday, take time off to volunteer abroad or fulfill a dream of climbing the world’s highest mountains. Why? Because I know what makes her tick, and I know that through careful financial planning WealthChoice can help to make her dreams come true.

Find Your Support Team

When I sit down with client who are overwhelmed with the responsibility of being female breadwinners but are aching for personal fulfillment, I recommend these simple steps:

• Plan and analyze – Conduct a thorough analysis of all aspects of your life, including your financial commitments and see where you can put some of your hard-earned cash to work for your goals and dreams.
• Spend time getting to know yourself – Take a deep dive into what makes you tick and what makes you happy. If you are going to support others, make sure to reward yourself too.
• Commit to your strategy – This means tracking your progress, patting yourself on the back and making changes as and when necessary.
• Embrace change – Sometimes we have to be open to doing things differently; this is often the only way to unlock a better life.
• Speak to a professional – No matter how successful you are, there are times when having an expert in your corner can only unlock additional benefits.

As a successful business owner and breadwinner myself, I truly understand the myriad demands you juggle every day. That’s why I’m passionate about helping my clients build a life of balance, with room for the things that bring them joy. Please do reach out, and let WealthChoice help you breathe a little more easily.

The post Female Breadwinners: The Challenges of Doing It All appeared first on WealthChoice.

Whether we take time out to explore the many wonders right here on our doorstep in the USA, or explore destinations further afield, travel is the perfect way to step back and re-energize. I speak from experience.

For me, travel opens my mind and gifts me precious time with my family. I plan for a week abroad each year, usually strategically taken around Thanksgiving when my workload is slightly lighter and I can feel comfortable being away from the office for a while.

The tips I share when it comes to travel are, therefore, grounded in my insights as a financial advisor, but supported by personal experience as a busy professional and business owner.

“Travel is the only thing you buy that makes you richer.”
– Anonymous

The Joy of Getting Away from It All

Clearly I am not alone in my passion for travel and enjoying unique places and experiences. According to a 2022 luxury travel market report, an increasing number of wealthy Americans are eyeing bespoke international travel in 2023.

In addition, the report revealed that most wealthy travelers prefer spending on experiences as opposed to goods. This is certainly true of WealthChoice clients, most of whom share the annual goal of travel.

Some of my clients spend more on this passion than others, but based on our in-depth discussions and interactions, and irrespective of the destination in question, getting away from day-to-day demands is a significant priority.

For some, it’s just about having new adventures, experiencing the world on their terms, and enjoying a change of scenery. For others, it’s the health benefits of taking a vacation that inspires them to pre-book time in their schedules each year to get away.

Recharge and Reset

For busy female executives, the health benefits of taking a break are becoming increasingly important. This is particularly true of women working in high-stress roles or in male-dominated sectors, such as tech or the law.

For women fighting battles on all fronts, a vacation can be a chance to relax, reset and reflect. Time in a new environment, away from daily challenges, is often a precious moment to clear the mind and consider new ways of working, new areas for personal development, and opportunities to grow.

Reinvigorated after taking time out, it is quite common for our clients to return to work with a fresh perspective on what is important. As Leonardo da Vinci, the great polymath, once observed: “Every now and then go away, have a little relaxation, for when you come back to your work your judgment will be surer.”

Since travel ranks so high on our clients’ list of personal priorities, it is an important focus area for me and my team. Believe it or not, a financial advisor like WealthChoice has a vital role to play in working with you to prepare for travel (particularly the international, cross-border variety), by providing both financial guidance and ensuring you can go away with the peace of mind that, while you recharge, your financial health is in safe and dedicated hands.

Have Budget, Will Travel

No matter the time frame, be it the standard week-long vacation, or a really indulgent two-week adventure, my clients choose to travel all over the world. Yes, they see travel as a luxury, but it’s one that I encourage them to plan for both financially and logistically.

Even for those in high-earning positions, it is always important to factor in the cost of taking time off – both financially and in terms of personal and work commitments. This is particularly true in demanding professions like law or if you are self-employed or run your own business. Whether it’s the length of your stay, your destination, what kind of accommodation you’re seeking, transport costs or how much you plan to shop while you’re away, I know from experience that it pays to be prepared.

Often travel preparation can be done with the help of your financial advisor who can assist with determining if and how your trip will impact your long-term financial goals and work this into your financial plan. They can also provide guidance on the following:

Let’s Talk Insurance

When visiting distant lands, anything can happen. That’s why trip cancellation insurance is an important consideration. Many of the best travel credit cards also offer some kind of protection for travelers, from baggage insurance to trip delay insurance. Another great resource to compare and buy travel insurance is www.squaremouth.com.

It’s also best to speak to your health care insurance provider about your travels to establish whether they will cover any possible medical costs abroad or if they sell temporary plans. Bear in mind, for instance, that Medicare cover generally doesn’t pay for care in another country, but a Medicare tie-in plan could cover costs incurred abroad. And don’t forget to take all your inoculations, especially if you are traveling to regions such as Africa or Asia.

What Does Estate Planning Have to Do with Travel?

If you’ve been putting off creating a Will or updating the one you have, it’s best to make the necessary arrangements before you travel. The peace of mind that comes with knowing your estate plan is in order ensures you can focus on the business of truly unwinding.

Remember to Combine Cash and Cards

It’s best to use a combination of cards and cash when you’re traveling, especially in Europe. Remember that cash is king so take a fair amount with you in the currency of the country to which you’re traveling.

When selecting a travel card, look for one that has no foreign transaction fees and enables you to seamlessly cash in rewards for travel. Some travel cards also offer a bonus system where you can earn rewards for travel-related purchases.

Investing in a new credit card a few months before your departure may also come with sign-up bonuses that facilitate cheaper travel or high-spend rewards. What’s more, it’s advisable to notify your credit card company of your travel dates so that they don’t block your transactions if they suspect suspicious activity.

High-End Considerations

While the financial and planning advice shared above applies to anyone planning a vacation – and particularly one outside of the USA – for high-earners a comprehensive travel plan might also need to consider making provision for the following:

• Private aviation costs: Since the 2020-2021 pandemic demand for private travel options, such as private jets and even renting out luxury yachts for the summer, has exploded. There are options available for those who chose to travel in style, be it leasing a private aircraft, to fractional ownership of a jet, or even loyalty programs courtesy of well-known aviation companies.
• Exploring bespoke, ‘bucket-list’ experiences: Whether it’s a luxury safari in Kenya or South Africa, leasing a hilltop villa on the Mediterranean, cruising around remote island in Indonesia or along the coast of Croatia, today’s traveler is looking to unlock unique and luxurious possibilities. Vacations of this variety will invariably come with a higher price tag, but if you plan well in advance for such ‘bucket-list’ breaks, they can be magical and even life changing.
• Emerging eco-travel options: A recent report by Virtuoso tells us that some 82 percent of travelers now want to travel more responsibly, and are seeking out more remote and unspoiled locations. They want to engage with local communities and learn about new cultures. Planning vacations of this type, complexity and often distance location, invariably required the services of a travel specialist. They should be treated as once-in-a-lifetime investments.

Live a Life Rich in Experience

Despite the financial outlay from these luxurious vacations, I am always at pains to affirm the travel choices my clients make, and encourage them to reward themselves appropriately for the high-pressure roles they carry off with such grace.

As I wrote in my book, Corner Office Choices: The Executive Woman’s Guide to Financial Freedom: “The first big step in financial planning is examining your passions and pursuits.” Passions are the interests you feel deeply about, such as travel, while pursuits are the particular goals and endeavors to which you are committed.

Without passion, and without reward, what are you working for?

Travel is, for me, an essential experience that both enriches my life and broadens my horizons. It feeds my passion for new, exciting and bespoke experiences. It represents quality time with family and an opportunity to recharge my batteries.

As a result, I find it extremely satisfying to help my clients make their travel dreams come true. Whatever your financial hopes, dreams and concerns when it comes to travel, remember: I’m just a call away.

The post When Travel Calls, Answer with Sound Financial Planning appeared first on WealthChoice.

A recent conversation with a client brought up a wonderful analogy for this unique time as we discussed how best to prepare for what is likely to be a financially uncertain 2023: the unknown unknown. ‘Unknown unknowns’ are those unidentified and challenging risks which are hard to manage and even harder to predict; but they have a profound ability to derail carefully made plans.

There will always be things in life that we can’t quite grasp and events that throw us off guard. There is always the possibility that new ‘unknowables’ are just around the corner. Known as the Johari Window, this concept was created by psychologists Joseph Luft and Harrington Ingham in 1955. Designed to help people better understand their relationship with themselves and others, it’s a useful tool for understanding the importance of risk planning in personal finance.

The Financial Known and the Unknown

Life is filled with knowns and unknowns, and starting off a new year in acceptance of this fact means we can approach it with grace, but also – and more importantly – we can prepare for uncertainty and enable ourselves to remain steadfast no matter what the new year brings our way. In no area does this become more important than that of our financial lives.

Right now we are living through a time of ‘unknown unknowns’. On the outer edges of a global pandemic, our economy may be in turmoil, but this doesn’t mean your financial life needs to be. If we are prepared to lay down the right foundations, we can navigate a clear path through this ambiguity and anxiety with careful, mindful and meticulous planning.

Always Plan for the Unknown

‘Unknown knowns’ – like a bank or currency collapse – are rare, although we know in theory that they are possible, which is why strategies like diversification are so important. It is also absolutely possible to mitigate against ‘known unknown’ risks by making provisions for things like sickness, technology disruptions, or market shifts.

And, of course, ‘known knowns’ ask us to pay attention to saving, having insurance and a balanced portfolio. Even those true surprises – the ‘unknown unknowns’ – won’t hit you as hard if you have a plan in place.

During times of uncertainty, a plan is your best friend. It provides peace of mind and the comfort of knowing that you’ve built in some level of protection. With that surety beneath you, you can step out into each new day with the confidence to live life to its fullest, and on your own terms.

Women, Planning and Flexibility

The mistake we as women executives, business owners and professionals can often make, is that we view our financial plans as “an all-or-nothing proposition”. This is a common issue I address in my book, Corner Office Choices.

If we stray from our financial plan, we believe all progress has been wiped out. We treat it like a weight loss program or fitness regime. We’re hard on ourselves and become disillusioned if the clear road ahead starts twisting and turning before our eyes.

This adds huge mental stress at a time when the best advice is to hold true to intentions of the plan, to let the built-in protection mechanisms do their work, and recognize that the path to financial success is long and winding.

Throughout my career I’ve come to appreciate that real wealth comes down to living life on your terms. But it also means being flexible enough to know what you can’t control, such as:

• The Economy: Our economy is riding a tumultuous wave right now. In fact, the entire global economy is weathering a storm of historic magnitude.
  Effects of Covid-19: Bloomberg calls the pandemic “a catalyst for lasting economic change” in the US, from remote work to automation and a growing wealth divide.
• High Inflation: More rate hikes on the cards by the Federal Reserve.
• Unemployment and Job Losses: Right now, we are working with clients who have lost jobs, who are unemployed and who are deeply concerned about their future and that of their families.
• An Erratic Stock Market: Many of our clients are worried by the erratic performance of the stock market and the impact this is having on passive income.

These are real and understandable concerns, which impact people and livelihoods, but fortunately it is exactly in these conditions where financial planners can make a difference. By providing guidance in uncertain times, and by making sure that all our clients have the protection of a well-crafted plan, we can help you ride out this storm and thrive – even in uncertain times.

Your Best Support Against the Unknown

Our goal at WealthChoice is to help our clients live full lives. We do this by offering a holistic approach to financial, career and personal planning. We understand that the women we work with are fascinating and multifaceted individuals – and that each one is truly unique.

So, we focus on achieving an alignment between professional and personal goals. To do this requires time. Time to talk things through, to explore all the options on the table, to build a relevant financial plan, and design a tailored approach.

If you’ve just lost your job in tech, if your company is downsizing or your business is struggling. If – like so many Americans – you’re worried about your retirement, tax implications, rising debt, the cost of healthcare and college expenses, then help is at hand. We can work with you by putting your existing financial plan on the table, delving into the solutions, and unpacking the steps to get you back on track.

Over the years I’ve seen how women with clear financial plans have better money habits, peace of mind, in-built back-ups and emergency funds than those who don’t. So, I know this approach works.

Working together we can tackle the unknowns of the new year and beyond by putting the right plan in place and helping you make the best financial choices. Start the new year on the right foot, and give us a call today.

The post How to Live with Confidence, Despite Life’s Uncertainties appeared first on WealthChoice.

What is cognitive labor?

When it comes to running a household, moms are more likely than not to be the ones planning and organizing activities like playdates, vacations, childcare, and family visits. They’re running through the practicalities of the household—shopping lists, maintenance to-dos, the timing to get those done. That’s the cognitive side of labor. The emotional labor associated with these is managing the family’s emotions, such as helping a child through a tantrum or anticipating the next parent-teacher conference. Taken together, the mom is taking on the preparation, organization, and range of emotions it takes to run a household and alleviate future risk.

What does this mean for a woman’s job?

Women, whether they’re in a C-suite role or a part-time one, often find ways to have a more flexible schedule when kids are involved, so they are more acutely aware of which child is growing out of their clothes or has a test coming up. She therefore thinks about these more often—including when she’s at work. Many women, even if they are the breadwinner or in a top-level position, can be forced to put full-time or part-time work on the back burner when faced with increasing stress at home. This widens the gender pay gap, as women are less likely to get raises or promotions after having kids. With competing priorities, she may not be able to put in extra hours or go after a new role. There’s also the possibility of leaving the workforce altogether—something we’ve seen happen more often since the pandemic started.

What does this mean for a relationship?

A lot. While gender norms are being challenged more and more by younger generations, they remain pretty solidly in place for many heterosexual couples. A couple may make decisions together, but it’s often the mom who does the research and legwork leading up to the couple being able to make an informed decision. She’s often on the hook to do this work simply because all of us have been led to believe that women are naturally more organized. To be clear, this has been proven incorrect more than once

When women take on the majority of cognitive labor, it can affect everything from the ability to community in a health manner to the couple’s sex life. An unequal distribution of labor could pave the way to larger issues down the line.

What can women do?

Regular, healthy communication is key to helping share how you’re feeling and your expectations for what should change. A more immediate, concrete action to take, however, is much less complex: do less. It’s much easier said than done, of course, and will lead to more stress up front. But often, sitting out on a basic task will have a longer-lasting and more positive impact down the line. If you don’t plan out every detail or do every minor task, your partner will see the negative consequences that come from not helping and will eventually learn to help out more over time. Sticking to your guns through this initial change will ultimately lead to more time for yourself—and less worrying.

Looking to build up your portfolio and a nest egg for your children? We’re here for you at WealthChoice. Get in touch.

The post The Costs of Cognitive Labor appeared first on WealthChoice.

We view the beginning of each year as a time for new choices, hope, change, living life on your terms and getting stuff accomplished.

One of our favorite trusted advisors and life coach extraordinaire, Marcy Morrison, shared this insightful piece with us and we just love it.  Below we share Marcy’s insight and hope it gets your new year off to a terrific start.

By Marcy Morrison-

Happy New Year. I hope that you enjoyed the holidays and took some time to reflect on the past year and create a vision for 2022.

I had someone recently share with me that they were living at a C+ level in a certain area in their life. It was something about the way they shared it that struck a chord deeply within me.

I have read a ton of self-development books and heard about a ton of different ways of how to create our best lives.

But there was something about this that really simplified things for me and I thought – hmmm where am I living at a C+ in my life and then the next question I asked myself is how can I make it an A+.

I first really thought and journaled about what truly is an A+ for me and I got clear on how I want to create an A+ 2022 filled with everyone and everything I love.

Next I took an inventory of my life and career and honestly examined what already was at an A+ and celebrated all of those areas and looked at any areas that were below that. This included looking at where I was showing up at an A+ level and where I was not.

I then went through each area of my life and got clear about what steps I need to take this year to get each area of my life to an A+ and how I can show up in each area at an A+ level.

Some of those changes to get my life to an A+ weren’t and won’t be easy including making decisions to let go of some personal and business relationships that were not at an A+ and knowing that I had tried to get them there and accepting that they would never get there. I knew that by letting them go, I have opened the space to allow in A+ personal and business relationships and again, I took the time celebrate those areas in my life that already are at an A+ and where I show up at an A+.

I am starting 2022 feeling like a breath of fresh air has swept through my life and I have total clarity of how I will create an A+ 2022 filled with everyone and everything I love and I am so excited.

I wish the same for you and encourage you to take the time to think about how you will create your A+ 2022.

Connect with Marcy and to learn more about how we partner with awesome resources like Marcy to help professional women live better lives, please reach out to us at WealthChoice.

The post 2022-Creating an A+ Year Filled with Everyone and Everything you Love appeared first on WealthChoice.