Clifford Financial Planning, Inc.

09/01/2026

Welcome September!

September is Healthy Aging Month, a time to celebrate everything that's possible, reachable, and worth pursuing. This year's theme, Never Too Late to Reinvent Yourself, resonates with so many of the conversations we have with clients every day.

Whether you're thinking about a new chapter in retirement, taking steps to proactively manage your health, or simply reassessing what matters most, transformation doesn't have an age limit.

What is one new goal or habit you are pursuing this month? Share your thoughts in the comments below! 👇

Wishing you a happy and healthy September!

08/19/2026

A record number of U.S. adults under 35 are living with their parents, according to a recent Realtor.com study.

In 2025, 25.2 million adults under 35 lived at home, a higher share than during the COVID-19 pandemic.

Many are working, but wages are not always keeping up with the cost of living. Among adults ages 25 to 34 who live at home, roughly 7 in 10 have jobs.

Housing affordability is a major factor. Higher home prices, elevated mortgage rates, rent, student loan payments, car payments, and everyday expenses can make living independently harder to sustain.

For some families, moving back home may be a way to reduce expenses, rebuild savings, or create more breathing room before taking the next step.

The broader takeaway is that financial independence does not always follow a straight timeline. Cost-of-living pressures are reshaping what adulthood, housing, and household decisions look like for many families.


Source:

One woman in her mid-30s said her $60,000 annual income wasn't enough to cover all her bills after a breakup, leading her to move back home.

08/12/2026

📱 Be honest: where are you reading this post right now?New data shows exactly where we use our cell phones the most. The top spot isn't even close!

Whether we are walking the dog or sitting at a restaurant, our phones are always within arm's reach.

👇 Drop a comment below! Are you sitting on the couch, hiding at work, or somewhere else entirely? Let's see who matches the stats!

08/11/2026

Please talk to your Financial Planner before you get sucked into spending money on viral 'back-to-school' trends.

☎️ (707) 526-1203

Students and parents are breaking their back-to-school budgets thanks to inflation and social-media trends.

08/07/2026

The Common Cents Act has passed the House and now moves to the Senate for consideration.

The bill is tied to the phase-out of the penny and would create a national rounding standard for cash transactions.

Under the proposal, cash purchases would be rounded up or down to the nearest five cents when exact change is not available.

For example, a purchase totaling $10.02 would round down to $10.00, while a purchase totaling $10.04 would round up to $10.05.

Pennies would still retain their value under the act, even as the Treasury stopped minting them.

The bill is especially relevant for businesses that handle cash, including restaurants and retailers, because it could reduce confusion and legal risk around exact change.

For consumers and businesses, the broader takeaway is that even small changes in currency rules can affect daily transactions, checkout systems, and cash-handling practices.


Source:

New law aims to address how businesses and consumers should transact amid the phase-out of the penny.

08/06/2026

August is known for Black Swans 🦢

August is the month when many families take their final summer vacation 🏕️. But August has a more unsettling side for investors. It’s historically been a month of surprises. Not always the kind we prefer.

Over the past 35 years, investors have navigated seven “black swan” events in August. Some worse than others, but all led to disappointing days for investors.

We’re here to help you cut through the noise with clarity and perspective. If you have concerns or want to review how recent shifts affect your specific goals, please reach out. We believe the best way to navigate uncertainty is by staying disciplined and focusing on the factors we can control.

☎️ (707) 526-1203
📩 [email protected]

08/05/2026

Pencils ✏️ Notebooks 📓 Backpacks 🎒 But what about your child's financial education?

A 2013 Cambridge University study found money habits formed by age seven! Add money smarts to your checklist this back-to-school season with these age-appropriate financial lessons. Turn everyday activities into learning experiences that will set them up for success.

➡️Share in the comments which of these steps have you already taken with your kids?

07/31/2026

📢 2026 Tax Law Changes

Click the link for more information.

# ®️

The One Big Beautiful Bill is now law. Here's a clear breakdown of what changed, what's temporary, and what it means for you.

07/30/2026

💲THRIFTY THURSDAY💲

It's Back-to-School season.🏫 The National Retail Federation predicts that the average household will spend $875 on back-to-school shopping this year. Here are a few tips to help save money on back-to-school expenses. 🚌

🍎Make a budget and a list, and stick to it.✏️
🍎Search your home for items already on hand.🖍️
🍎Swap and share with other classmates, neighbors, family.
🍎Watch for sales & rebates.
🍎Use your child’s school ID for discounts.
🍎Shop early to avoid paying full price.🛒
🍎Comparison shop.🧮
🍎Join a carpool.🚗

Comment below with your own back-to-school tips.

07/24/2026

🌡️Heat waves can affect more than daily comfort and public health. They can also create real economic costs.

Extreme heat can reduce productivity🥵 among outdoor workers, increase utility bills, strain power grids, reduce crop yields, and keep some consumers closer to home.

One federal climate assessment found that the average number of heat waves in major U.S. cities each year has doubled since the 1980s.

Researchers have also found that more frequent extreme heat and severe droughts can weigh on gross domestic product, while heat-related economic losses have reached trillions of dollars globally in recent decades.

The impact can be especially significant for heat-exposed industries such as agriculture, construction, manufacturing, transportation, and mining.

For households and businesses, extreme heat is a reminder that weather risk can affect budgets, supply chains, labor productivity, food prices, and energy costs.📊


Source:

Heat waves threaten costs for the economy, sapping workers' productivity, shutting shoppers inside their homes and driving up utility costs, analysts told ABC News.