The JOYful Perspective
Welcome to The JOYful Perspective: a space where Larry Sprung, CFP®, CEPA® shares insights on personal finance, wealth management, and living a life driven by purpose.
Each month, Larry shares real-world insights that go beyond the numbers, helping you use your money as a tool to support what truly matters: your goals, your values, and your JOY.
Whether you are part of the Mitlin Community, exploring a potential relationship, or simply looking for a more intentional way to manage your finances, this space is for you. These articles offer perspective, useful guidance, and support as you work to align your money with your ideal version of tomorrow.
The JOY of Giving: Why November Is the Perfect Time to Take Action
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 …
The JOY of Small Business Ownership: Why the Business Should Serve You
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 …
Financial Planning Without the Fear: How a JOY-First Approach Changes Everything
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 …
Your Money Needs a Why: Dr. Daniel Crosby & Larry Sprung on JOYful Wealth
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 …
Why Health Care Could Make or Break Your Retirement Plan
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 …
Financial Planning with Purpose: Bringing JOY to Your Money Journey™
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 …
Write Your Financial Future: A Financial Guide for Authors
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 …
Understanding Social Security for Couples – Paint Your Future with Purpose and JOY
Social Security planning is more of an artwork than a science. But like most great masterpieces, it begins with a clear vision of what you want the final canvas to look like. When it comes to retirement, Social Security is one of the boldest brushstrokes on the canvas. And for couples, coor …
FAQs About Larry Sprung, CFP®, CEPA®
Are you working hard, saving, and still wondering if it’s all adding up to the life you want? You’re not alone. Many families feel uncertain about their financial future even when they’re doing everything “right.” That’s why Larry Sprung, CFP®, CEPA® Wealth Advisor and founder of Mitlin Fin …
What If?
It was a family dinner that will stick with me.
The Hidden Fear Behind Budgeting for Retirement
“Will I Have to Give Up Everything I enJOY?”
The Case for Not Retiring Early: Build a Life You Don’t Need a Vacation From
The Unspoken Fear Behind the Dream Have you ever fantasized about retiring early? No more rush-hour commutes, no endless meetings, no sacrificing your time for someone else’s bottom line. Just you—living life on your terms. But behind that dream often lies a quieter, deeper question:
Love, Money, and Joy: How Couples Can Find Financial Harmony
Building a JOYful Financial Future as a Couple Love, marriage, and money…. three things that can either go together smoothly or cause stress. It’s not surprising that almost 25% of couples say money is their biggest relationship challenge, with nearly half admitting to arguing about i …
Digital Asset Protection: Safeguarding Your Digital Assets
Your life is lived digitally but what happens when you’re gone?
Start Your Year Planning for JOY (and Avoiding Mistakes)
You deserve to maximize the JOY in your life and one way to make that happen is by avoiding the common mistakes that can throw you off track and steal those JOYful moments. Let’s make 2025 your year of purposeful action — where you take intentional steps to sidestep frustrating pitfalls.
Find Your Purpose Now
Finding your purpose early in life can be a powerful driver of fulfillment, influencing everything you do. While it might seem tough to wrap your head around in your twenties, thirties, or even forties, the more you understand what truly matters most to you, the clearer your purpose becomes.
It’s Only a Deal If You Need It
The holiday season has arrived—and so has the flood of ‘must-have’ deals flooding your inbox. This year, don’t just hit delete. With holiday shopping emails pouring in from nearly everyone, it’s the perfect time to reclaim your inbox—and refocus on what truly deserves your attention.
Planning for Medicare and Your Annual Open Enrollment
As you approach retirement, one of the most important aspects of your financial and healthcare planning is preparing for Medicare. Understanding the complexities of Medicare and making informed decisions during open enrollment can help you secure the coverage that best suits your needs, avo …
Managing Money in a Relationship
Money talk doesn’t come to all couples naturally. Some people grow up in a household where talking about finances was avoided or discouraged. Others grow up having open, honest discussions about money. For some couples, this causes an “oil and water” situation of mismanaging money together. …
Let joy guide your financial future!
When most people—financial advisors and consumers alike—think about personal financial planning, the first thing that comes to mind is money. Numbers. Dollar signs. Budgets. Investments.