It becomes clear what matters.  Simplifying becomes easier.

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The summit is what drives us, but the climb itself is what matters.” – Conrad Anke

It’s all about you.

Your Needs. 

Your Wants. Your Wishes.

It’s important to remind yourself why you bother investing in the first place. For many of us, it is to generate wealth, then to preserve it throughout our retirements, and ideally pass it on, securing inter-generational wealth for our successors.

Some days it may feel like paddling in an open sea, hoping your direction & speed will be enough to get you to your destination. Other days it feels like you are constantly climbing a never-ending hill.  Let’s face it, some of the time it will feel as tough as hiking the steep mountain – and you ask yourself if you can or if you ever will be able to see the summit and then you ask yourself if you will be able to reach the summit.

With only a quick moment of reflection, the realization Mr. Hillary made stands the test of time in so many ways.

“It is not the mountain we conquer, but ourselves” – Edmund Hillary

Come back often…

Come back to this often, changing thoughts and changing behaviors takes practice. It’s natural and unconscious to want to drift back to old ways. Find your mantra – keep it front and center and repeat it often. Find what moves you and most importantly what will make you move.

“It is the set of the sails, not the direction of the wind that determines which way we will go.” – Jim Rohn

“The experienced mountain climber is not intimidated by a mountain, he is inspired by it.” – William Arthur Ward

“Every mountain top is within reach if you just keep climbing” – Barry Finlay

“It is the set of  the sails, not the direction of the wind that determines which way we will go.”
– Jim Rohn


  • Life sometimes has a way of making it feel like whichever  way the wind is blowing is how our needs are prioritized.  It can seem like it’s different each year, each month, and probably at times each day.
  • Set your sails towards your goals and realize that the direction of the wind is not under our control, but the approach, the preparation, and the decision to monitoring the progress is.
  • Every great accomplishment starts with the decision to start.  Come back here often and realize why you started and where you sails are set in relation to where you want to end up. 

The best time to plant a tree was 20 years ago.
The second best time is now.


The base of your spending Hierarchy

“You keep putting one foot in front of the other, and then one day you look back and you’ve climbed a mountain.” – Tom Hiddleston

Imagine yourself on a 10,000 or 16,000 peak surrounded by nothing but sky and the earth under your feet looking down on the world from above.  

Needs become real, wants become ideas, and wishes probably feel achievable. 

Lucky are those who would and could realize in a moment what a need, a want and a wish means.

As the moment passes, is it worth wondering if the random thought has occurred to those in that moment the amount of time spent in our lives trying to convince ourselves to do the opposite of what we hear all day every day. 

Spend.  Try.  Buy.

The base of your spending heirarchy.

Prepare your base camp
Shelter, food, protection.  
Emergencies, health, skills.
Family, teammates, friends, guides.

The needs are what you would want the most at your basecamp.  The needs are the expenses you would consider your “non-negotiables”.  These are the items that you will want to put into the base of your spending hierarchy.


The base of your spending hierarchy.

The needs tend to add up quickly and sometimes the wants – well, want to move into the needs category.

What else?  
Healthcare, Taxes, Transportation

And What-ifs?
Family needs, uncovered or uninsured losses  

It’s where the spending hierarchy starts.  Whatever you decide are expenses and costs you must pay for.

How today’s retirees are spending their money