Eric Ratliff

Anniversaries have a way of grounding us.

This week marks both the 3rd anniversary of my sister’s passing and my wedding anniversary — celebrated 15 years ago in Jamaica, which just endured Hurricane Melissa. It’s a reminder that anniversaries can bring both joy and sorrow, celebration and reflection.

In many ways, financial planning is similar. We look back to understand where we’ve been, acknowledge both the good and the hard seasons, and plan ahead with lessons learned and purpose. Life doesn’t always follow a predictable forecast — there are calm stretches and unexpected storms — but thoughtful planning helps us navigate both with resilience and perspective.

Here’s to remembering, appreciating, and continuing forward — in life and in planning — with gratitude for the journey and readiness for whatever comes next.

April, 2022. Some goals require more effort. Working for myself by age 40 ✅️