"Simplicity is the ultimate sophistication," proclaimed an Apple Computer marketing brochure back in 1977. In the ensuing decades, Steve Jobs' commitment to this ideal resulted in technology products that were as beautiful as they were easy use, and in Apple becoming one of the most valuable companies in the world. The clutter that we accumulate in our life often prevents us from getting as much value as we can from our time and money. Think about how pairing down to the es

Not all stress is bad stress. While there's overwhelming medical evidence that negative stress can cause significant physical and emotional damage, "eustress" can energize and inspire us to meet surmountable obstacles. In fact, if you attempt one of these three challenges, you might actively cultivate eustress that leads to personal development and a greater Return on Life. 1. Set a challenging goal at work. We tend to think of stress as something we should avoid at wor

During my financial life coaching sessions, I often meet people who aren't sure what to do next after they’ve accumulated enough wealth...

We often think about our lives like stories, complete with a cast of characters, a variety of settings, highs and lows, twists and turns....

We may feel like we spend lots of time with our family members. But squeezing in a few hugs and meals on our way to and from work,...

According to a report published by Bloomberg, only 1.6% of job seekers relocated to take a new job in Q1 2023, an all-time low. More...

When you're a new retiree, staring at that blank page where your work schedule used to be, time might seem so abundant that you forget...

Many of the thoughts that run through our heads at any given moment have nothing to do with the moment. We might be stuck in a "doom loop," worrying about things that may or may not happen. We might be stuck in the past, turning over long-gone decisions or memories of old wins and losses. Or we might be so distracted by the media bombarding our screens that our own thoughts and feelings get pushed to the side. Try one of these strategies for incorporating mindfulness into y

Sometimes the biggest risk is not taking one. Try as we may, it's almost impossible to protect our lives, careers, and financial planning from some degree of volatility. If you're not willing to accept risk, then you might stick with a "safe" but unfulfilling career for too long. Your relationships might lose their spark. Taxes and inflation might erode your long-term financial prospects. This four-step framework can help you become more comfortable assessing risks that c

If charity is part of your legacy plan, the best time to start giving back could be right now. Spending on other people is one of the...

Would you like to achieve a 37X change in your life by this time next year? According to productivity expert James Clear -- and a little bit of math -- that's how big of an impact just a 1% daily improvement can make over time. Of course, the reverse is also true: take too many small steps back from your goals and you're going to find yourself back at the bottom of the hill. Let's talk about the potential power of 1% improvement and three simple steps to help you achiev

If you're about to retire but not really looking forward to it, maybe it's time to schedule something you will look forward to. Kicking...

There's been so much chatter about potential drawbacks of AI like ChatGPT and Google Bard that many people are overlooking how AI can improve Return on Life. From automating monotonous tasks to performing more efficient internet searches, there are almost limitless applications for these services -- if you know how to get the most out of them. This brief guide to AI will give you a better understanding of what AI can and can't do, as well as prompts you can try to free up s

According to researchers, approximately 80% of resolutions are abandoned before the end of January. Many of these failed resolutions...

Establishing a consistent morning routine can give your physical and mental health a massive boost. Routines help us to organize and prioritize what we want to accomplish, which can reduce stress and anxiety and help us focus on larger goals. Folks who stick to a sleep schedule tend to sleep better and wake up with more energy and in a better mood. And establishing a set of go-to breakfasts can help you eat well even on those days when kids, pets, or a work emergency demand s

Married couples don’t always plot retirement on the same $Lifeline point. According to a recent study by Fidelity, 43% of couples disagree about what age they plan on retiring. For other folks, circumstances like an unexpected job loss or health issue push spouses onto separate retirement schedules. When one spouse retires and the other keeps working, it's important that the couple understands the effects on their finances, their schedules, and their long-term goals. Here are

The challenges of the last couple of years have filled many people with uncertainty about the present and concern for the future. Often that can create a feeling of stasis when it comes to how we think about our money. But improving Return on Life isn't something that happens in an undefined future. ROL is an ongoing process that allows you to balance in-the-moment enjoyment with your family's long-term security. Here are three ways that you can leverage your financial plan t

Some would-be entrepreneurs look at a displaced business landscape and see trouble. Others see an opportunity: the chance to become owner...

Unfortunately, turning the calendar past 2020 hasn't erased all the problems that we've been facing for the past year. If feelings of...

As important as when are we going to get our vaccination here in Malaysia, we believe that a solid financial plan gives you the tools to...