Are You Being Cheap with Yourself, Christine Luken, Financial Lifeguard

Are You Being Cheap with Yourself?

Not long ago, I realized that I was being cheap with myself over something pretty silly – tissues. I always bought the store brand, never the “Puffs Plus Lotion” or the “Kleenex Ultra Soft.” Allergies plague me almost year-round, so I use a lot of tissues. Six weeks ago, my mom stayed with me for a few days while she …

I Care About Your Financial Dignity {But Not More Than You Do}

I care about your financial dignity. A lot. I know my purpose is to shine my light into the financial darkness of others. I want to empower as many people as possible to rescue their financial dignity. I know what it feels like to be drowning in money stress and shame. And I don’t want you or anyone else to …

The Day You Decide, Christine Luken, Financial Lifeguard

You’ll Remember the Day You Decide

Will today be the day you decide? I encourage my clients and students to celebrate their “Financial Independence Day.” This is usually triggered by a certain money milestone like paying off their debt or reaching $1 million in retirement assets. And we should definitely be celebrating those financial accomplishments, both large and small! But you know what we should really celebrate? The day …

I was charged with theft by deception

I Was Charged with Theft by Deception

  Don’t worry, it sounds worse than it actually is! “Theft by deception” is the scary legal term for writing bad checks. I didn’t even realize it was on my record until I applied for an accounting job… at my family’s business! Let me explain… The year was 1999. I was engaged to “Jeff” who had terrible money habits. Unfortunately, drama …

The Cost of Doing Nothing, Christine Luken, Financial Lifeguard

The Cost of Doing Nothing

Occasionally, I have a potential client tell me they can’t afford the investment to hire me for financial coaching. Keep in mind, these are folks who have $100k+ incomes. But they can’t come up with a few hundred dollars a month to completely revolutionize their financial future? Now maybe it’s an excuse because they don’t think I’m the right money …

high income hot mess

Are You High Income, Hot Mess?

“If I made more income, I wouldn’t have these financial problems.” Maybe you’ve said or thought this at some point in your life. Maybe you’re saying it right now! 18 years ago, when I was living on the edge of broke, I said it all the time. Unfortunately, I proved myself wrong every time I received a raise. High income …