Do This and You Will Always Be Broke

Retirement Income Planning, Calgary

Deep down inside we all want to do well financially and achieve financial independence. The very fact that you are reading this blog is because something inside of you resonates with the title. You don't want to be broke. Being broke is not fun.

If you can hold on to the end of this short blog I'll tell you the number one reason why financially successful and secure people achieved their success, and it's not luck.

3 Reasons Why You'll Always Be Broke:

1. You'd rather look wealthy than be wealthy. If that's the case you will go broke trying to keep up the appearance. It's a house of cards and it's only a matter of time.

2. You can't control your behaviour. Buy high and sell low. Got to have the new car. Constantly tapping into your savings for another "emergency". Save a nickel to spend a quarter. The average Canadian family spends 168% of what they earn. Out of control debt to feed this frenzy of buying the stuff you don't have any time to enjoy. Buying stuff to put your stuff in. Paying for a storage locker for all of your stuff. Working and going into debt to buy more stuff, because stuff will make you feel important and look like you got it going on. Stuff will somehow bring you happiness. This is all bad behaviour.

3. You have no plan. You do not know how much you make and you have no idea where it goes. You don't know your mortgage interest rate or the terms. You have no idea of how much your new car loan really is. You know nothing about your personal finances. No plan. You earn it and you spend it. You may be doing well at the moment, but it's only a matter of a major setback and you will be underwater. Job loss. Illness. Injury. An accident. Wipeout.

So, why is it successful people succeed. They take action. They do not leave their health or their wealth to chance. They create a written plan and they take action. Money can't buy you happiness, but one thing is for sure, not having any can result in a lifetime of misery.

Book your appointment in our calendar below and we'll help you:

  • get clarity around your goals and values
  • show you how a written quality financial and investment plan will increase your probability of financial success


Retirement Income & Investment Advisors,

Willis & Nancy Langford


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Willis and Nancy are amazing. I am near retiring totally and they advised me what to do to help me be financially set. I was late in starting my financial plan but they helped me to see that I was going to be okay. 
They are so knowledgeable about what is going on in the world financially especially for retirement. They have the answers and are interested in you personally. 
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Catherine Moon

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