Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer
TEAM HOELZER NEWSLETTER

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THE NEW RULES OF MONEY


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Crypto. ETFs. The Great Resignation. NFTs. Robo-advisers. Salary transparency. A pandemic that won’t quit. Inflation, the likes of which we haven’t seen in 40 years. There are so many question marks out there right now, but one thing is pretty clear: this is not your mother’s economy.

That doesn’t mean you can’t handle it; far from it. You just need a new set of rules. When it comes to money, rules can be your best friend.  They help you reduce volatility in your financial life by controlling the things you can. When you do that successfully, you can bring your own financial stress levels way down.





  16 Money Rules That Millionaires Swear By
  See how to invest like a millionaire — and save like one too.







KNOW YOUR MONEY TYPE
Have you ever wondered why you are the way you are with money? Why you have trouble spending it even if you’re flush and sitting on a cash cushion? Or why it flows through your fingers like water? Here’s the deal: everyone has a 'money type'. This is a money personality, that was largely formed during our childhood. It’s not what your parents taught you; rather, it’s what you absorbed and what you felt about money.




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GOT DEBT? YOU CAN STILL HAVE A LIFE
The old thinking was that you had to get rid of your debt first, then focus on the future. Now we know it’s better to both pay down your debt and save for the future at the same time. Why? Because saving and investing early on are too valuable to leave while you wallow in student debt. So here’s the playbook: put every next dollar where it’s going to get you the greatest return.




EMERGENCY SAVINGS ARE NO JOKE
Pandemic lesson number one: emergencies happen. Being prepared means having liquid savings. This isn't money that’s tied up in investments, but money in a bank account or credit union.  It means that when the chips are down, you can access funds quickly and easily.






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USED IS THE NEW NEW
If it’s good for the planet, it’s generally good for your wallet. When it comes to clothes, that means shopping resale. Get yourself to places like your local consignment or thrift shop instead of buying new. Consign what you’re not wearing, and donate anything you can’t consign.




YOUR NEW SAFETY NET? THE SIDE HUSTLE
Multiple income streams can put you in greater control of your destiny. Having a side hustle (or two) is a way to put extra money in your pocket. On top of that, hustling can keep your skills sharp and grow your network.




SAVE 15 PERCENT OF EVERYTHING
The old rule of retirement saving was simple. All you had to do was sock away 10 percent of everything you made from day one at work until retirement. This way, you’d have enough - along with Social Security - to live comfortably pretty much forever. But we’re living so much longer now that 10 percent just isn’t going to be enough. It’s time to kick things up to 15 percent. Though it's a lot, the good news is that any matching dollars you get from an employer, such as a 401(k), count toward that 15 percent.







  Time And Money: The Value Of Both In Your Life
  When it comes to time and money, we've all said it before, 'Time is money.' But, have you ever let yourself think about it? Keep reading!








TIME IS MORE VALUABLE THAN MONEY
Time and money are both limited resources. But while there is an unending list of ways to earn more money, you can’t say the same about more time. So be very careful how you trade one for the other.




BE GENEROUS
Decades of research shows that, as long as you have enough money, more money won’t buy more happiness. What will make you happier, however, is using your resources to help someone else. So give as often as you’re able, but make sure you’re doing so thoughtfully and with purpose.















  
























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INTERESTING READS


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WHAT IS LUNAR NEW YEAR?
You may have thought that New Year’s was only celebrated on January 1, but in other cultures, New Year’s actually doesn’t take place until much later. It’s referred to as Lunar New Year and is one of the most important Asian holidays of each year.
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HOBBIES TO TRY THAT WON'T BREAK THE BANK
Hobbies are the perfect antidote for the boredom blahs and are also good for your wellbeing. Research has shown engaging in leisure activities is associated with less stress, greater positive mood, and improved health.
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RESOLUTIONS TO KEEP YOUR HOME VALUE UP
January is the perfect time for a fresh start. It's a fitting occasion to take stock of the improvements on or repairs to your home or condo you made last year, and the things that were on your to-do list that never got done.
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Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com

         



       


                   

   



 
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com




   



   



 
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com