 When you hear the word luxury, what do you think of? Maseratis, Ferraris, private jets?
Dream on – we are too – but that’s not what we mean by luxury today.  “I’m going to wait until the market is at its lowest, and then I’ll buy up.” How often have you heard people say this? This is a common thing for potential investors to say, especially during tough times. But here’s the problem: they never put a number or timeframe on their plan, and that’s because ‘the market at its lowest’ is not something that anyone can predict. Not even Warren Buffett himself. If a financial adviser tells you that they can – run.
 We’ve said this before, and we’ll say it again: financial planning without financial doing is pointless.
 How do you know when to sack the coach? Of course, when we say ‘coach’, we mean financial adviser. Our job can, in a way, be compared to that of a sports coach except our focus is on the financial wellbeing of our clients.
 At Lighthouse Financial, we have no boundaries. Sounds dodgy, doesn’t it? It’s not, we promise.
What we mean is that we have no geographical boundaries. Although we are located in Townsville, Queensland, many of our clients are not. Through word-of-mouth and our podcast, our clients are now based all around Australia.  That title got your attention, didn’t it?
You’re either pessimistic, or keen to learn how. Well, it’s actually not that difficult. We assume that most, if not all of our listeners have a small amount of money that they could put aside each week. For this particular scenario, we’re going to use $100 as an example.  As we approach our 10th year in business together and have hit our 100th podcast, we ask an interesting question.
 When people think about renting versus buying a home, financial comparisons are usually made. But there are also some emotional aspects to consider.
 When running a few km's, the whole time you think about how far left you have to go until you're done. When you are doing a few short sprints, all you think about is the small distance you are running right at that moment.
 There's not a person on this planet who hasn't made a mistake in their life before, especially when talking about financials.
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