Month: July 2026

At the end of the first article in this series, I suggested that the first step in understanding your money script is simply noticing when it appears. That idea sounds straightforward on the surface, but in practice, money scripts rarely announce themselves in a clear or obvious way.

Nobody walks into my office and says, “My tendency toward money vigilance is creating an emotional barrier to retirement spending.” That would definitely make the meeting efficient and frankly, a little unsettling, but it is not usually how these conversations begin. Instead, someone says they need to keep another $500,000 in cash, or that they want to work one more year, or that the family vacation feels too expensive even though the financial plan comfortably supports it. They may explain that they cannot sell a concentrated investment because it has always done well, or that they need to help an adult child one more time.

A few years ago, I started with a couple who had done almost everything right.

They had built successful careers, saved consistently, avoided unnecessary debt, and accumulated a portfolio that most people would consider more than enough for a comfortable retirement. When we reviewed their financial plan, the numbers were clear: they could retire whenever they wanted.

One spouse leaned back in their chair and said, “So… we’re done? We can actually do this?”

We would have loved to stay where we were. It was familiar, comfortable, and already felt like home. But once we started looking honestly at the space, the layout, and everything that comes with adding a child to the equation, it became pretty clear that making it work long term was going to be difficult. Babies may be small, but they come with an impressive amount of furniture, equipment, laundry, and general logistical chaos.