15/10/2026
๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐ฑ๐ฒ๐ฐ๐ถ๐๐ถ๐ผ๐ป๐ ๐ฐ๐ฎ๐ป ๐ถ๐ป๐๐ผ๐น๐๐ฒ ๐บ๐ผ๐ฟ๐ฒ ๐๐ต๐ฎ๐ป ๐ฐ๐ต๐ผ๐ผ๐๐ถ๐ป๐ด ๐ฏ๐ฒ๐๐๐ฒ๐ฒ๐ป ๐ฑ๐ถ๐ณ๐ณ๐ฒ๐ฟ๐ฒ๐ป๐ ๐ผ๐ฝ๐๐ถ๐ผ๐ป๐.
Goals, available resources, existing responsibilities and timing can all provide context to a decision.
Three questions can provide a simple framework for thinking about it:
๐ญ. ๐ช๐ต๐ฎ๐ ๐ฎ๐บ ๐ ๐๐ฟ๐๐ถ๐ป๐ด ๐๐ผ ๐ฎ๐ฐ๐ต๐ถ๐ฒ๐๐ฒ?
๐ฎ. ๐ช๐ต๐ฎ๐ ๐บ๐ถ๐ด๐ต๐ ๐ ๐ป๐ฒ๐ฒ๐ฑ ๐๐ผ ๐ฑ๐ฒ๐น๐ฎ๐ ๐ผ๐ฟ ๐ด๐ถ๐๐ฒ ๐๐ฝ?
๐ฏ. ๐ช๐ต๐ฎ๐ ๐ถ๐ป๐ณ๐ผ๐ฟ๐บ๐ฎ๐๐ถ๐ผ๐ป ๐ฎ๐บ ๐ ๐๐๐ถ๐น๐น ๐บ๐ถ๐๐๐ถ๐ป๐ด?
The purpose of these questions isn't to provide a specific answer, but to illustrate some of the considerations that can form part of financial decision-making.
Dennis Nery, CFPยฎ
๐๐ช๐ณ๐ฆ๐ค๐ต๐ช๐ฐ๐ฏ ๐ฃ๐ฆ๐ง๐ฐ๐ณ๐ฆ ๐ฅ๐ฆ๐ค๐ช๐ด๐ช๐ฐ๐ฏ. ๐๐ญ๐ข๐ณ๐ช๐ต๐บ ๐ฃ๐ฆ๐ง๐ฐ๐ณ๐ฆ ๐ฑ๐ณ๐ฐ๐ฅ๐ถ๐ค๐ต๐ด.
๐๐ฐ๐ณ ๐ฆ๐ฅ๐ถ๐ค๐ข๐ต๐ช๐ฐ๐ฏ๐ข๐ญ ๐ฑ๐ถ๐ณ๐ฑ๐ฐ๐ด๐ฆ๐ด ๐ฐ๐ฏ๐ญ๐บ. ๐๐ฉ๐ช๐ด ๐ช๐ด ๐ฏ๐ฐ๐ต ๐ง๐ช๐ฏ๐ข๐ฏ๐ค๐ช๐ข๐ญ ๐ข๐ฅ๐ท๐ช๐ค๐ฆ.
๐ฆ๐ผ๐๐ฟ๐ฐ๐ฒ๐:
๐๐ฐ๐ฏ๐ฆ๐บ๐๐ฆ๐ฏ๐ด๐ฆ โ ๐๐ข๐ด๐ช๐ค ๐๐ช๐ฏ๐ข๐ฏ๐ค๐ช๐ข๐ญ ๐๐ญ๐ข๐ฏ๐ฏ๐ช๐ฏ๐จ ๐๐ถ๐ช๐ฅ๐ฆ
๐๐ฐ๐ฏ๐ฆ๐บ๐๐ฆ๐ฏ๐ด๐ฆ โ ๐๐ช๐ฏ๐ข๐ฏ๐ค๐ช๐ข๐ญ ๐๐ฅ๐ท๐ช๐ด๐ฐ๐ณ๐บ ๐๐ณ๐ฐ๐ค๐ฆ๐ด๐ด
