Hi, I’m Alex.
I created FinHealthy to help people improve their financial lives.
So here are a few things you should know about me:
I got into this business for the wrong reason
You read that right. My path to today started from a misguided understanding.
From tv, movies, and video games, as a kid I was heavily influenced by my image of money success as stock trading.
I thought that financial success was all about trading stocks, beating the market, and making tons of money.
After graduating college, I joined an insurance agency, thinking that I would spend my day trading stocks for clients (with some innate skill I must have). Of course, all the insurance agency wanted me to do was to sell insurance to my friends and family.
I quickly realized my clients wouldn’t “get rich quick” investing with me, and financial stability didn’t come from trading stocks or their investments.
Vision and Habits
The most successful people I have ever met aren’t stock traders in flashy business suits. They are regular people who plan for the future and use good savings and spending habits to help them get there.
Successful people are financially healthy people.
That’s why I started this blog, to help people to build positive habits and learn the tools to improve their financial health.
I have a bunch of financial designations and you probably shouldn’t care
I am an Accredited Investment Fiduciary (AIF®), a Chartered Retirement Planning Counselor (CRPC®), and a Certified Wealth Strategist (CWS®).
Alexander D. Whitehouse, AIF®, CRPC®, CWS®
So what does that mean?
It means that at 42 characters my name and designations won’t fit on one line on my business card (unless I use teeny tiny print).
Don’t get me wrong, designations aren’t bad. They show that I have studied and kept up my knowledge through continuing education.
I can talk about non-spouse beneficiary distribution rules for qualified accounts for hours. (I’m a lot of fun at parties!)
Knowledge of complex fiscal rules, financial plan design, and tactical investment strategies is valuable, but…
I believe most people can benefit from common sense
Financially healthy choices are common sense.
- Spend less than you make
- Save for the future
- High-interest rate debt makes purchases cost significantly more
- Buy low, sell high
I believe that most people know common sense solutions, but that doesn’t make them easier to follow.
- The use of credit makes it simple to spend more than you earn.
- It’s hard to save for the future when there are expenses that need attention now.
- We don’t think about total cost when swiping the credit card to buy something.
- We get excited when the market is going up, and scared when it drops.
Financial fitness is similar to physical fitness. I know that it’s better for me to exercise and to eat healthy, but like a siren, snack food sings for me to binge at 10 PM. Sometimes it’s hard to resist bad habits.
Through blog posts, videos, and online classes I hope to inspire healthy financial choices.
Another thing to know about me, I set goals, work hard, and fail
I am an on-again off-again runner.
I ran track in high school and a little bit in college, but I’ve also found myself in horrible shape at various times of my life.
In 2008, I got winded riding up an escalator and decided it was time to get back in shape.
I set a massive goal for myself to run a marathon.
At first, it seemed impossible. I collapsed after my first 5-mile run.
Gradually, I increased my distance every week and stayed disciplined with my plan.
Each week I focused on improving a little. I was hopeful, but not at all confident, in reaching my final goal.
Finally, I completed the marathon in 2009.
Through hard work, discipline, and incremental improvement, I conquered my goal. (And lost 50 lbs in the process)
Well, yes… but, over the next couple years… I gained all the weight back (and then some).
Despite backsliding, I am incredibly proud of finishing my marathon. Failure is ok, only get back up. I still struggle sometimes to run or keep in shape.
The lesson I learned is that it’s possible to reach incredible heights, just by taking the first step and then another and then another. (FYI 26.2 miles is a lot of steps!)
What I hope for this blog is that it will help you make those incremental steps in your financial life.
I love high-fives
High-fives are awesome!
They are a celebration of accomplishment.
Every time my wife and I save money on something we give each other a high-five.
When my kids get good grades or finish chores, we give each other a high-five.
A high-five is a physical and positive sign of success.
Working on finances can be really depressing and very difficult, so as you improve your financial health, make sure to give your spouse or significant other a high-five.
And if it’s just you, tape a dollar to your mirror. Every time you succeed in enhancing your financial life, give that dollar a high-five.
I believe life is better when you are silly
I’m a big believer in silliness.
It’s hard to be angry when you’re being silly.
It’s fun to be silly.
Finances are often a taboo topic and are taken way too seriously.
I think learning is a lot easier if you’re enjoying yourself.
So let’s have some fun! Check out 100+ Funny Money Quotes to Make You Laugh
One final note
Living a healthy financial life is all about behavior and habit.
Your success will be because of your awareness, effort, and discipline.
My role is to help you on your journey, and my goal is that your final destination is a happy, confident, and healthy financial life.
Thank you for visiting our website, and I hope you enjoy yourself at FinHealthy.
LIVE A HEALTHY FINANCIAL LIFE
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