For the health of your wealth

Do you want to take control of your financial life? It’s up to you to understand your own money, says investment advisor Paul Taylor, a member of the National Ethics Bureau. Taylor offers the following suggestions:


For your cash flow, keep in mind the four A’s: Accounting, Analysis, Allocation, and Adjustment. The four A’s describe a systematic and disciplined approach to your daily, weekly, monthly, and yearly spending habits.

•  Accounting involves gathering all your relevant financial information—income, recurring bills, and other expenditures—creating a central list of each item, and pulling it together in a place where it’s easy to find.

•  Analysis is reviewing the information to determine whether you have a shortfall or surplus, and finding places to reduce expenses. Saving $100 a month on dining out, for instance, would allow you to apply $100 to your mortgage loan principal, saving you a substantial amount in interest payments.

•  Allocation involves determining your financial commitments and priorities, needs versus wants, and distributing your income accordingly.

•  Adjustment involves periodic reviews of your financial information and shifting assets to meet changing needs.

This website is not meant to substitute for expert medical advice or treatment. Follow your doctor’s or health care provider’s advice if it differs from what is given in this guide.


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