Let’s rap about the “tyranny of the should”. “Should” is a word that haunts a lot of folks because it’s this moral ball and chain that hangs around your neck. It’s there, constantly telling you… what you *should* do. And, if you don’t do it… you’re somehow magically a bad person.
Like… “you should save 10% of your income”.
That’s a moral commandment… or… at least it often comes off that way.
Should without “if”, is nothing more than an elaborate guilt trip.
If you want to save money, you should cut back your expenses.
Or, if you want to save money, you must cut back your expenses.
That’s a legitimate statement, right? If you want something, then you should do the thing that’s required to get that thing.
But if I said “you should stop spending so much money.” … it sounds kinda pushy, don’t it? No one appreciates it when someone else says to them, “you should do X because I say so”.
And yet, this is a lot of what’s behind the personal finance industry… as much as I like the initiative inherent in a “do it yourself” attitude, the industry has degenerated a bit into a bunch of bloggers running around telling other people what to do, how to think, and what they should and should do with their money.
Anyway, if you’re tired of other people telling you what to do, and you’re ready to collaborate with someone on making a better financial plan that actually works for you and your family, then go book an appointment with me and let’s get started: