The JOYful Perspective

You worked hard, made smart decisions, saved, invested, and watched your net worth grow. At some point, you probably had a number in your head that you thought would feel like enough. Then you got there. And maybe you still worry about money. Not because you are struggling. You may have mor …

There comes a point when the question changes. For years, you may ask yourself: Will I have enough? Enough to retire. Enough to feel secure. Enough to take care of the people I love. Those are important questions. They are often the reason people begin financial planning in the first place. …

You accepted a new job…. Congratulations. You’re thinking about your first day, your new team, and maybe even a bigger paycheck. Your old 401(k)? It probably isn’t at the top of your list. That’s understandable. But it’s also where many people make one of the b …

For generations, the American Dream followed a familiar path.  A path where success was often measured by visible signs of wealth. The size of your home, the car you drove, and the more you accumulated, the closer you appeared to be to the American dream. There is nothing wrong with those g …

Everyone loves the idea of a Roth conversion. Tax-free growth. Tax-free withdrawals. More flexibility in retirement. Less concern about future tax law changes. Sounds like a win, right? Well, not always. Here’s the part that does not get talked about enough: a poorly planned Roth conversion …

You’re responsible You plan ahead. You do what you’re supposed to do. But ….. Is the financial life you’re building actually supporting a life you enJOY living? For Most People, Financial Planning Begins With Numbers Income, savings, investments, retirement accounts, tax strategies, insuran …

Getting engaged is exciting. Your world fills with wedding plans, guest lists, venues, and dreams about the future. It should also include a money talk. That conversation can feel awkward, but avoiding it can cost far more in trust, stress, and future conflict. Honest conversations about mo …

One of the most common client questions heard by tax preparers is, “So, what do you need from me?” The short answer to that question is, often, “Everything.”  But that isn’t helpful, nor is it entirely true. And this year, thanks to the passage of the One Big Beautiful Bill Act (OBBBA), you …

When Larry Sprung, Founder and Wealth Advisor at Mitlin Financial, joined AssetTV on the floor of the New York Stock Exchange, he shared a message that sits at the heart of the firm’s work. Financial planning should lead with JOY. That may sound different from what people expect to hear fro …

Sports betting feels like entertainment, but it is increasingly tied to behavioral finance trends, emotional decision-making, and direct backlash toward the athletes on the court. Why does online sports betting feel like a new phenomenon? It’s likely because it wasn’t until 2018, when the U …

Some 401(k) plans may start offering cryptocurrency as an investment option. If your plan adds it, you still face the bigger question: Does crypto help your retirement plan, or does it add unnecessary risk? Quick answer Yes, some workplace plans may offer crypto. No, that does not mean you …

Passing stock to your kids or grandkids can feel like a legacy move. But one decision could affect whether your family enJOYs the gift or ends up with a surprise tax bill. Thoughtful planning helps more wealth stay in the family and keeps the gift feeling JOYful. The tax-smart answer in one …

You already pay for life…… What if those purchases could pay you back with no spreadsheets or travel-hacking courses required? Understanding the benefits you are entitled to could be the key to getting more from the money you spend. Once you understand the benefits that could be …

What if the most valuable thing you give this season isn’t a gift …..but a decision? A decision to show up. To speak out. To do something that leaves the world better. As the year winds down and the advertisers turn the dial up, you have the opportunity to flip the script and focus on …

One of the most rewarding things I have experienced and continue to see in others is the true joy that comes from building something on your own terms. But most people don’t talk about this: JOY doesn’t just show up. You have to design for it. Time Is Yours… But Only If You Claim It …

For most people, the idea of meeting with a financial advisor feels… intimidating. “What if they judge me for past mistakes?” “Shouldn’t I have figured this out by now?” “What if it’s just another sales pitch?” “What if the advice isn’t worth what it costs me?” These fears are real. And the …

When it comes to financial planning, numbers are only part of the story. Larry Sprung, CFP®, award-winning financial advisor and host of the Mitlin Money Mindset®, was joined once again by Dr. Daniel Crosby the Chief Behavioral Officer at Orion to explore explored one of the most important …

Most people think about retirement as a finish line and do not see it as their next big adventure. It’s the chapter where you have the freedom to do what you want, on your time, whether that’s traveling, starting a passion project, or spending more time with family. You can have your invest …

Live with Purpose. Plan with JOY. At Mitlin Financial, we believe financial planning goes beyond the numbers. Your money can serve a bigger purpose. It can fuel dreams. It can create freedom. It can build legacies. And most of all, it can support a life you truly enJOY. That belief inspired …

You poured your heart into your book. Now it’s time to bring that same level of intention to your financial life. Whether you’re managing fluctuating royalty income, navigating the shift from side hustle to full-time writing, or simply wondering how to make the most of your success yo …