GW Financial, Inc

Proportional > Equal

Dear 20-something self,

Fair doesn’t always mean equal when incomes differ.

Action: Share expenses proportionally.

Structure reduces resentment.

A caller claims your Social Security number was “suspended” and demands immediate payment.

✏️ The Social Security Administration does not threaten arrests or request gift cards.

An “advisor” pressures you to move retirement money quickly because of election fears or market headlines.

✏️ Urgency is often a red flag. Good financial planning is thoughtful—not reactive.

There Is No Best Strategy

Dear 20-something self,

The only wrong way to plan is not planning at all.

Action: Pick a simple framework and improve it over time.

Motion beats paralysis.

Someone promises they can “guarantee” your child scholarships—for a fee.

✏️ No one can guarantee scholarship money. Research organizations carefully before paying.

Investable Assets = Flexibility

Dear 20-something self,

Some of the calmest retirees had investable assets—not just property.

Action: Build assets that generate income without selling.

Flexibility compounds too.

Real Estate Is Liquid

Dear 20-something self,

Rental properties are powerful—but not flexible.

Action: Pair real estate with liquid investments.

Mobility Is Not Failure

Dear 20-something self,
If your career moves you, owning property can wait.

Action: Save and invest more when buying doesn’t fit your season.

There’s more than one right path.

Don’t Rush Mortgage Paydown

Dear 20-something self,

Liquidity can matter as much as equity.

Action: Balance extra payments with saving and investing.

Optionality reduces stress.

🏛️ College Impersonator Phone Calls

Someone poses as a college staff member demanding immediate tuition payment.

✏️ Hang up and call the official number listed on the school’s website.