Housing, career, savings, and how you talk about money with the people you love, none of these show up on a balance sheet or a portfolio statement, but they may matter more to your financial life than anything that does.
In this episode, TradeWinds advisors Jeb Bowie and Miller Hoffman break down four fundamentals that are easy to get wrong even though they’re not “basic”:
-Housing: Is buying still the “American Dream”? We run real numbers on the same Raleigh, NC home in 2020 vs. 2026, down payment, interest rate, PMI, and what actually doesn’t come back to you every month.
-Career: Why “sustainability” matters more than the number on your offer letter, and how lifestyle creep quietly locks people into jobs they don’t enjoy.
-Savings rate: Why we like a 15–20% savings rate as a rule of thumb and why saving is the unsexy half of financial success that financial media rarely talks about.
-Money & relationships: Why money is one of the top reasons for divorce and family conflict, and how talking about it early with a spouse, parents, or kids changes everything.
TradeWinds is a fee-only Registered Investment Adviser based in Raleigh, NC, helping clients at every stage of their financial journey with financial planning and investment management.
Learn more at tradewinds.global.
