Trū Insurance & Investments

Trū Insurance & Investments Mindful money. Joyful life.

September is here 🍂And with it comes that end of summer feeling ~ one last exhale.Before the routines snap back into pla...
09/01/2026

September is here 🍂

And with it comes that end of summer feeling ~ one last exhale.

Before the routines snap back into place, I want to pause on something...not your numbers...not your budget. Your memories.

What actually made this summer good?

Was it the trip? The nights sitting around the firepit? The lazy Sunday with nowhere to be? The concert you almost didn't buy tickets for?

Chances are, the moments that mattered most weren't the most expensive ones. They were the ones you were fully present for.

That's the whole point of mindful money. Not spending less for the sake of it. Spending in a way that actually reflects what you value.

As fall routines return, carry that lesson with you.

🌼 This week's money moment: What's one thing from this summer you're grateful you spent money (or time) on? What does that tell you about what you value?

Here's to a mindful fall. 🍂

September is creeping closer, and with it comes a very specific kind of pressure.The new-shoes-every-kid-has-them pressu...
08/25/2026

September is creeping closer, and with it comes a very specific kind of pressure.

The new-shoes-every-kid-has-them pressure. The picture-perfect vacation posts. That "everyone else has it together" feeling.

Comparison has a way of showing up loudest right when you're trying to be intentional.

Here's what I've learned: that pressure, when it shows up, is actually useful. It's a signal to pause and check in with yourself.

Is this spending decision coming from what I actually value? Or from what I think I'm supposed to be doing?

That question alone can shift everything.

The families who feel calm this fall aren't the ones who spent the most or the least.

They're the ones whose spending feels aligned ~ who know their own plan well enough that comparison doesn't shake it.

🌼 This week's money moment: Notice one moment this week where comparison creeps into a spending decision. Pause. Ask: is this coming from me, or from what I think I should be doing?

This weekend is going to be bittersweet.We're doing our last back-to-school shopping trip with our youngest ~ she's head...
08/17/2026

This weekend is going to be bittersweet.

We're doing our last back-to-school shopping trip with our youngest ~ she's heading into her final year of university.

Just over two decades of these trips with our three children, and it's hard to believe we're on the last one.

Over the years, a few things have carried forward to every single back-to-school shopping trip, no matter the grade:

✔️ They create their own list first ~ needs vs wants
✔️ We confirm what can still be used from last year before buying anything new (pencil case, backpack, the basics)
✔️ There's always a clear budget they have to stay within

The lists change. The budgets change. But the process has stayed the same. And I think that's the real lesson. The habit underneath them.

Bonus tip: back-to-school spending isn't a surprise in our house. It's built into our annual family money planning every single year. It has become part of what we call our annual money jam, so when the time comes, we have funds set aside and can focus on the joy around the experience.

🌼 This week's money moment: Involve your kids in the process. Have them make their own list of what they need, and talk about the budget together so everyone's clear before you hit the stores.

Some things get all the attention. This one deserves more than it gets.Not the vacation fund. Not the investment portfol...
08/10/2026

Some things get all the attention. This one deserves more than it gets.

Not the vacation fund. Not the investment portfolio.

The emergency fund.

It doesn't feel exciting. It doesn't get its own highlight reel.

But it might be the most peaceful money decision you'll ever make.

Because when the air conditioner breaks, the car needs a repair, or work shifts unexpectedly ~ the emergency fund isn't really about the money. It's about the sentence you get to say instead of panicking: "We're okay. We planned for this."

A simple rule of thumb: aim for 3–6 months of essential expenses ~ rent or mortgage, groceries, utilities, insurance, minimum debt payments. That's the number that actually reflects what you'd need to get by.

Prefer something simpler to calculate? 3–6 months of your income works too. It'll usually land you a bit higher, and that's okay ~ either way, you're building a cushion.

You don't need it all saved by Friday. You need a starting number and a plan to get there.

🌼 This week's money moment: If something unexpected happened tomorrow, could breathe easy? What's one step toward "yes"?

I hope you had a great long weekend! ☀️ Over the past few weeks, I've been purging and sorting through old things around...
08/04/2026

I hope you had a great long weekend! ☀️

Over the past few weeks, I've been purging and sorting through old things around the house.

My rule has been simple: if it doesn't have sentimental value, and I haven't used or touched it in a year, it goes in the give-away pile.

No overthinking it. Just the rule, as I sort through all the things! And it honestly has created such a freeing feeling.

I'm all about simplicity and calm. In my home. In my head. In my money.

That same freeing feeling is almost identical to what happens when you declutter your money.

Most of us don't have a money problem. We have a clutter problem.

The subscription you forgot about. The three overlapping streaming services. The old account you haven't looked at in years. The auto-renewal you meant to cancel in March.

None of it is dramatic on its own. Together, it's noise.

And just like that old stuff in your home, noise makes it hard to see what's actually working.

🌼This week's money moment:
Pick one thing to simplify. Cancel the subscription. Close the account. Combine the accounts that don't need to be separate.

A simpler money life is a calmer one.

You got the raise.Or the bonus. Or the new client. Or the promotion.And then a few months later... it kind of just disap...
07/13/2026

You got the raise.

Or the bonus. Or the new client. Or the promotion.

And then a few months later... it kind of just disappeared.

Not because you did anything wrong.

Lifestyle creep is quiet. It's gradual. It's almost invisible while it's happening.

The slightly nicer restaurant. The upgraded version. The subscription you barely use.

None of it feels like a big decision. And that's the point.

Growing your income is amazing. But it doesn't automatically grow your wealth.

That only happens when you decide ~ intentionally ~ what that extra income is actually for...before it gets absorbed into your life by default.

✨ This week's money moment: Think back to the last time your income grew. Where did it go? Was that where you wanted it to go?

If yes, that's a win worth noticing. If no, now is a good time to redirect.

Summer has a way of disrupting the routine.The schedule shifts. The pace changes. The spending picks up.Which is exactly...
07/06/2026

Summer has a way of disrupting the routine.

The schedule shifts. The pace changes. The spending picks up.

Which is exactly why summer is one of the best times to set your money on autopilot.

If you're relying on willpower to save, you're creating tension that doesn't need to be there.

Willpower is a fight. Simplicity is a ease.

Give yourself the second one.

The most powerful thing you can do is remove the decision entirely.

Set up an automatic transfer to your savings or investment account on "payday".

Before the patio dinner. Before the tickets. Before the weekend plans.

Pay yourself first. Let everything else flow from what's left.

It's not restrictive. It's actually freeing.

Because when the money is already working for you, you can enjoy what's left without the guilt.

💛 This week's money moment:
Check your automation. Is your savings happening automatically? If not, set up one transfer this week. Even $50 makes the habit!

If you had any doubt that summer was here ~ this week is about to take care of that.The heat wave is fully rolling in!An...
06/29/2026

If you had any doubt that summer was here ~ this week is about to take care of that.

The heat wave is fully rolling in!

And there's something about that kind of heat that makes you want to slow down, be outside, be present.

Which brings me to something I hear from clients a lot this time of year.

"I want to enjoy this ~ but I also don't want to undo everything I've built."

I get it. I feel it too.

Here's what I want you to know...Enjoying your life is not the opposite of building wealth.

Experiences ~ the long weekends, the patio dinners, the time with people you love ~ those have real value.

They're not a setback.

But there's a difference between spending that's aligned with what matters to you and spending that's just noise.

A World Cup game or outdoor concert with your family and friends? Worth it.

The impulse purchase you forgot about by Wednesday? Probably not.

This is the work of being a mindful investor in your own life.

Not saying no to joy. Choosing the joy that actually means something. And letting the rest go without guilt.

✨ This week's money moment:
Look back at last month's spending. What lit you up? What didn't? Let that guide your choices this summer.

Father's Day is this coming Sunday, and I've been sitting with some memories this week.My dad didn't talk much about mon...
06/15/2026

Father's Day is this coming Sunday, and I've been sitting with some memories this week.

My dad didn't talk much about money.

But I always felt like we were okay. Not excess. Just... comfortable. Safe.

What he did talk about was earning.

I was always coming up with ideas, and my dad would sit down with me and think them through. My lemonade stand wasn't just a stand ~ we talked about what to charge, what my costs were, what the profit would look like. He taught my sister and I to play poker using our allowance. We learned what risk felt like. What it meant to gain money, and to lose it. He encouraged us to find paying jobs ~ babysitting first, and eventually I landed at a local video store.

And then I'd go home and hide my piggy bank under a loose floorboard in our old century home. Like protecting what I'd earned was just instinct.

There was this quiet message underneath all of it:

We have a unique ability to find work. To earn. To make things happen.

And he led by example.

My dad worked two jobs at one point. When I became a single mom, so did I.

What I remember most is that it never came from a place of struggle.

It came from gratitude. That the work was there. That we could do it.

I've tried to be more open with my own kids about money than my dad was with me. More conversations, more choices made out loud.

But the lesson underneath it all ~ the one I carry and the one I hope I've passed on?

We know how to earn. And we protect what we build.

✨This week's money moment:
What did the dad, grandfather, or father figure in your life teach you about money ~ without maybe even knowing it?

Drop it in the comments. I'd love to read them. 🖤

Happy Father's Day to all the dads out there doing the work.

Summer is in the air.And with it comes the energy of yes.Yes to the patio dinners.Yes to the spontaneous road trips.Yes ...
06/08/2026

Summer is in the air.

And with it comes the energy of yes.

Yes to the patio dinners.

Yes to the spontaneous road trips.

Yes to the concert tickets and the long weekends away.

And I'm here for all of it.

But I also know that "yes to everything" can quietly become "where did my money go?" by September.

So here's what I want you to think about this week: What are the summer moments that actually matter to you?

Not the ones you feel pressured into.

Not the ones that look good in a photo.

The ones you'll actually remember.

Because when you get intentional about the yes moments, you protect space for them ~ and you stop spending on the ones that don't fill you up. (Right???!!!)

✨This week's money moment:
Write down your top 3 summer experiences you want to make room for. Then look at your plan and make sure they're in it.

That's not restriction. That's intention.

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