Hadley’s Post

This week's blog reminds us that when division creeps in, there's an opportunity to connect instead of letting opposing views tear us apart. Instead, let's focus on our shared needs and emotions. This concept applies to marketing, too. With 529 College Savings Plans, we tapped into empathy and the emotional drivers behind parents saving for the next generation rather than playing into the divide over student debt forgiveness and the rising cost of college tuition. It doesn't mean rising costs and student debt aren't a piece of the conversation; it means empathy and approaching conversations from the foundational side of what drives us can help us find community. As we say, "Take a wedge, build a bridge." Read more: https://lnkd.in/ggq2m5Wr

📢Have you heard about the latest financial trend taking social media by storm? It's called Loud Budgeting, and it's all about openly sharing your financial goals and plans with your friends and family. Whether you're aiming to pay off student loans, save for your dream vacation, or boost your retirement fund, Loud Budgeting empowers you to be transparent about your financial journey. Looking for tips to kickstart your own Loud Budgeting adventure? Check out what the Wisconsin Bankers Association shares for expert advice and inspiration: Consumer-Content-Loud-Budgeting.pdf (wisbank.com) 💸✨ #LoudBudgeting #FinancialGoals

I've witnessed how sports can shape a young person's future. The lessons they learn extend far beyond the field.  Yet, many families struggle to keep their kids in these programs due to costs. Traditional lending systems often overlook the true financial picture of families, leaving too many deserving ones behind. That's why we built ooblix, Inc differently. Instead of solely focusing on credit scores, we consider cash flow and spending behaviors—the real indicators of a family's financial health. This approach allows us to offer loans that genuinely meet families' needs, ensuring children can pursue their passions without financial stress. One of the things I'm most proud of is our daily pay loan structure.  It's a simple yet incredibly effective idea. By allowing families to repay their loans in small, manageable daily amounts, we've kept costs low and defaults nearly non-existent.  It's a system that works with families, not against them. Youth sports are more than just a pastime; they're an investment in a child's future.  They teach values that last a lifetime. Our mission is to ensure financial constraints never block these opportunities.  We're not just offering financial support; we're partnering in your child's growth and development.

In a world where raising kids comes with its own set of financial hurdles, what happens when the tables turn, and parents need support? Enter Gen Z, stepping up to the plate to offer financial assistance to their parents. But before diving into these crucial conversations, it's essential to understand the intricate dynamics at play. Rising living costs and hefty educational expenses weigh heavily on both parents and their Gen Z children. With over 22% of Gen Zers working while studying to support their families, it's clear that these young adults are navigating their own financial challenges. So, how can parents approach these discussions with sensitivity and clarity? The key lies in open communication and mutual understanding. Create a comfortable space for dialogue and listen to your child's perspective. Set clear boundaries and only ask for assistance with necessities, respecting their financial goals and limitations. Consider the impact of financial aid on your child's academic performance and emotional well-being. Striking a balance between family support and academic obligations is crucial for their overall success. Join us as we delve into the heart-to-heart conversations shaping intergenerational relationships and financial stability. Click the link to explore this insightful guide now! #GenerationalBonds #FinancialConversations #GenZ

💡 "What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not." 💡 In Rich Dad Poor Dad, Robert T. Kiyosaki shares the financial lessons he learned from his two father figures: 👨🎓 His Poor Dad – Highly educated, worked hard, but remained financially stuck. 🧑💼 His Rich Dad – A mentor who understood how to make money work and build lasting wealth. Their differing perspectives shaped Kiyosaki’s approach to money, assets, and financial independence. Key Lessons from Rich Dad Poor Dad 1️⃣ The Rich Don’t Work for Money – They Make Money Work for Them The poor and middle class work hard to earn money and rely on salaries for survival. The rich focus on building income-generating assets that work 24/7 to create wealth. 2️⃣ Understand the Difference Between Assets and Liabilities An asset puts money into your pocket (e.g., real estate, stocks, businesses). A liability takes money out of your pocket (e.g., car loans, credit card debt). Key Insight: The rich prioritize acquiring assets; the poor and middle class acquire liabilities they think are assets. 3️⃣ Financial Literacy is the Foundation of Wealth Schools teach academics, but they rarely teach how to manage money, invest, and create wealth. Financial literacy includes understanding: 📊 Cash flow 📈 Investing 💼 Business systems ⚖️ Tax laws The rich leverage this knowledge to keep more of their money and make it grow faster. 4️⃣ Mind Your Own Business Don’t spend your life building someone else’s dream. Keep your day job, but focus on building your own asset column. Invest in businesses, real estate, or intellectual property that generate passive income. Once a dollar goes into your asset column, make sure it never leaves—let it work for you. 5️⃣ The Power of Your Mindset Fear of failure and lack of financial education hold most people back. The rich view failure as a lesson, while the poor avoid risks altogether. Replace “I can’t afford it” with “How can I afford it?” to open your mind to opportunities. Key Quote to Remember: “It’s not how much money you make that matters. It’s how much you keep, how hard it works for you, and how many generations you keep it for.” Why This Matters for Parents and Educators To parents everywhere—a child’s first and most important teachers—and to all those who influence, educate, and lead: Teaching kids about assets, liabilities, and financial literacy equips them with the tools to build a better future. Encourage them to think beyond job security and embrace financial freedom as a goal. 💬 What’s one financial lesson you wish you had learned earlier? Let’s start a conversation and inspire the next generation to think differently about money! #FinancialEducation #RichDadPoorDad #FinancialFreedom #Investing #MindsetMatters #Parenting #RobertKiyosaki

Helping your children get the best possible start in life could be helping them with their education fees, or even helping them secure a deposit on their first home. Unfortunately, property prices in most major cities these days are out of reach for many young professionals, and rental prices have also skyrocketed. Is there anything specific that you had financial support with, that you would also like to be able to help your children with in the future? Or maybe there was something you didn't get support with, that you would like to help them with, knowing the difficulties of not having had this support? At LeX-Wealth we help families give their children the best possible start in life, by understanding what their financial goals are, and helping them save more efficiently for their children's future.

As a new mother working in the financial industry, the idea of long-term planning for my child is suddenly of real importance. Saving for a child's education is essential to planning for their future. Education costs continue to rise and without proper planning, it can be a significant burden for us parents. We can help our children avoid or lessen student loan debt by starting early and saving consistently. If you're a parent wondering how to get started, a 529 plan can be a great place to start! Are you thinking…what's a 529? I'm glad you asked! A 529 plan is an education-focused investment account that enables you to save money for a beneficiary and pay for education expenses. Saving for your child's education requires discipline, but it's a rewarding investment in their future. I challenge you to identify something in your life that you could cut back on and reallocate those dollars to your child's education. Every little bit counts!

𝐂𝐨𝐦𝐩𝐨𝐬𝐞 𝐚 𝐛𝐫𝐢𝐠𝐡𝐭𝐞𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐜𝐡𝐢𝐥𝐝, 𝐨𝐧𝐞 𝐬𝐭𝐞𝐩 𝐚𝐭 𝐚 𝐭𝐢𝐦𝐞… 🌱 What if you could build a significant nest egg with just a small, regular commitment? 📌 £200 pcm could grow to ~£105,600 📌 £300 pcm could grow to ~£158,401 📌 £400 pcm could grow to ~£211,201 𝘛𝘩𝘪𝘴 𝘦𝘴𝘵𝘪𝘮𝘢𝘵𝘦𝘴 𝘢𝘯 𝘢𝘯𝘯𝘶𝘢𝘭 𝘳𝘦𝘵𝘶𝘳𝘯 𝘰𝘧 7% 𝘱𝘦𝘳 𝘺𝘦𝘢𝘳. (20 years)📈 A powerful strategy to support your child’s university tuition, their dream wedding, or help them take that first step into homeownership… 💡 ———————————————————— 𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦.

5 ways I help parents with their finances to support their children 👇 1) Planning for school fees - these costs are soaring and without adequate planning, it can result in financial pressure at the wrong time 2) Gifting - knowing the rules around gifting and allowances and planning for this can be quite complex - often a fine balance between the needs of the parent and that of their children 3) Deposit for a home - how much, on what terms (if any) and how best to achieve this? 4) Investing for the future - Junior ISA's for younger children to provide them with options at the age of 18 5) Estate Planning - ensuring parents are aware of how to achieve their legacy goals Happy to speak with anyone looking to achieve any of the above. Have a great weekend.

How to Invest for Your Children's Future