Many High-Earners Are Living Paycheck to Paycheck - How to Break the Cycle

A common misconception is that if only we earned more money, we would have a comfortable lifestyle, financial security, and the ability to afford all the luxuries we could possibly imagine. We would be happy and healthy and certainly not be living paycheck to paycheck.

According to the paycheck-to-paycheck report from September 2022, approximately 45% of Americans earning over $100,000 say they live paycheck to paycheck. While approximately 47% of those making between $150,000 and $200,000 and 28% of those earning over $200,000 also report living paycheck to paycheck.

It would seem that getting ahead financially is not simply a numbers game…. “earn more money and everything will be okay.”

Money, Saving Money, Money Tools, Money Mindset, Kids and Money, Mom Life, Money and Marriage, BudgetKristen RicuperoFebruary 16, 2023finance, financial coaching, money, financial freedom, Pittsburgh Financial Coach, goals, North Carolina Financial Coach, High Income Earner

Another Finance Fight? Why It’s Important to Talk About Finances With Your Partner

When it comes to intimate relationships, money is often considered a topic to be avoided at all costs. We always think we should stay away from the subject for fear that it might put others off. Why bring up something that could make someone uncomfortable? Why bring up something so serious?

One of the top-cited reasons for divorce and breakups is financial differences or arguments about money.

Money, Saving Money, Money Tools, Money Mindset, Kids and Money, Mom Life, Money and Marriage, BudgetKristen RicuperoFebruary 3, 2023finance, financial coaching, money, financial freedom, Pittsburgh Financial Coach, goals, North Carolina Financial Coach

Top 5 Financial Mistakes That Will Prevent You From Building Personal Wealth

The first step in building personal wealth is to understand our beliefs and values surrounding money. We can know all the best tips and tricks to implement, but if we don’t first believe we can build wealth, we won’t succeed. This positive mindset allows us to take on the challenge of wealth-building and surpass our wildest financial dreams.

We also need to understand that money is a tool. Money should never be a goal in and of itself, but rather a means to accomplish our ultimate dreams.

With all this being said, you’ll want to look out for these common stumbling blocks that can get in the way of personal wealth building. We want to dive into five financial mistakes that we often see so you can be on your way to building the life you always dreamed.

Cash Flow, Money, Saving Money, Budget, Year End, Money Tools, Money MindsetKristen RicuperoJanuary 19, 2023finance, financial coaching, money, financial freedom, Pittsburgh Financial Coach, business, goals, North Carolina Financial Coach

Tired of New Year’s Resolutions That Always Fail? Make Habits that Last!

What do you want to be different in the new year? Or, as it should be asked, “What habits do you want to change?”

Do you see what I did there? I think without me even explaining the reason I altered the question, your intuition probably knows why.

Approximately 80% of New Year’s resolutions fail… by February!

Do you ever wonder why New Year’s resolutions fail? Why is it so hard to make a change you know is good? Part of understanding why resolutions fail is learning a little bit about habits.

Cash Flow, Money, Saving Money, Budget, Year End, Money Tools, Money MindsetKristen RicuperoJanuary 10, 2023finance, financial coaching, money, financial freedom, Pittsburgh Financial Coach, business, goals, North Carolina Financial Coach, Habits, New Year

The Ultimate Guide for Creating and Accomplishing Your 2023 Money Goals

It’s been a tough couple of years. Maybe you’re still facing long-term financial consequences from the pandemic. Maybe you relocated and are still figuring out your new city. Maybe your finances have you up at night because your investment portfolio is looking scarce these days.

Whatever you experienced this year or are currently facing, I hope you’re able to spend some time this season reflecting on the good. It can be hard to find the good - both personally and on a national level. But I promise you - there’s still some good out there.

Budget, Giving, Cash Flow, Year End, Money, Money and Marriage, Money Mindset, Money Tools, Saving MoneyKristen RicuperoDecember 4, 2022finance, financial coaching, money, financial freedom, Pittsburgh Financial Coach, business, goals

‘Tis the Season to Start Your Holiday Budget and Savings Plan

Having a budget as we head into the festive (and expensive) holiday season will allow you to enjoy exciting activities, delicious meals, and gift-giving. You’ll also spend less time scrambling and stressing over finances when you have a spending plan in place.

Budget, Cash Flow, Small Business Finance, Profit First, Money Tools, Money MindsetKristen RicuperoOctober 7, 2022finance, financial coaching, small business coach, money, financial freedom, Pittsburgh Financial Coach, small business finance, business, books

6 of The Best Financial Books of All Time

If you follow me on social media, you know that I am an avid reader. I soak up all the information I can so that I can continue to grow and understand more for myself and my clients.

I thought it would be fun to compile and share the best financial books to read, both for personal and business growth.

Budget, Cash Flow, Small Business Finance, Profit First, Money Tools, Money MindsetKristen RicuperoSeptember 16, 2022finance, financial coaching, small business coach, money, financial freedom, Pittsburgh Financial Coach, small business finance, business, books

How to Teach Kids About Money - 5 Easy Steps To Give Your Kids Good Money Habits

Kids are notorious for misunderstanding money. To them money is always available and everything they see around them is fair game for mommy to buy! There is a good reason for this.

The mind of a child in the earliest years is primarily formed through the process of observation. Everything they see and hear helps them to form their understanding of the world. Take a second to think about what this means to most children…

Money, Budget, Saving Money, Money Mindset, Mom Life, Money and Marriage, Money Tools, Kids and MoneyKristen RicuperoApril 7, 2022finance, financial coaching, small business coach, money, financial freedom, Pittsburgh Financial Coach, budget, time freedom, money mindset, Featured

How Financial Coaching Services Can Help You Skyrocket to Success

When you want to reach a specific goal in other areas of life—like running a marathon or starting a business—it’s common to consult a coach. A coach can help you take a huge goal and break it down into doable steps, all while cheering you on and celebrating your progress.

A financial coach can do the same for those financial goals you’ve been struggling with. Sometimes all it takes is getting some help to show you how successful you can be. If you’re ready to see success in your financial life, working with a financial coach might be the perfect first step.

Read on to see if a financial coach might be what you need to skyrocket your success and reach your goals sooner.

Money, Budget, Saving Money, Money MindsetKristen RicuperoMarch 19, 2022finance, financial coaching, small business coach, money, financial freedom, Pittsburgh Financial Coach, budget, time freedom, money mindset

6 Ways the Rich Think Differently About Money and Life

When you think about rich people, ultra-wealthy business tycoons like Bezos, Musk, and Buffet probably come to mind. But you don’t have to be a multi-billionaire or even a multi-millionaire to be wealthy. “Average” people all around us are wealthy—you may just not realize it because they don’t live flashy lifestyles.

Money, Budget, Saving Money, Money MindsetKristen RicuperoMarch 5, 2022finance, financial coaching, small business coach, money, financial freedom, Pittsburgh Financial Coach, budget, time freedom, money mindset, Featured

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