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Join date: Apr 21, 2022

About

I'm Michelle, and I began blogging to capture the common concerns I hear from my financial planning clients. I write about money-related topics with commonsense tips that most anyone can implement. I'm especially passionate about sharing ideas that will help empower women to take control of their money lives and become financially independent.


If you've ever wondered:

“Am I saving enough to retire or slow down at work when I want to?”

“Is it going to be possible to retire and help my kids go to college?”

“Should I be worried or doing something differently given all the market volatility?”

“How am I supposed to make sense of my employer’s stock compensation and other benefits?”


You’ll find that you’re not alone! I'm always open to suggestions on what to write about—just drop me a line.

Posts (223)

Oct 7, 2026 ∙ 3 min
Why “We’ll Figure It Out Later” Can Cost the Sandwich Generation
There’s a certain stage of life when almost everything seems to come with an asterisk. Your parents are doing fine for now. The kids are still at one of those rare stages in life when things seem to be going well. Retirement is a few years away. Work is busy. So why make decisions before you have to? For couples in the sandwich generation who are simultaneously thinking about aging parents, adult or nearly adult children, and their own financial future, waiting can feel reasonable. But...

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Oct 6, 2026 ∙ 6 min
What Is an IPO Lockup Period and What Happens When It Ends?
Your company just went public. The stock is on the news, your shares have a price for the first time, and you still can’t sell a single one. That waiting period is the lockup, and it catches many employees by surprise. After years of vesting, the IPO feels like the finish line. For most people it’s the start of a new set of decisions about taxes, timing, and how much to keep. With the IPO market busier this year than it has been in some time, more of my clients are asking about it. Here’s how...

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Oct 1, 2026 ∙ 4 min
The Investment Mistakes Smart, Successful Women Still Make
There are plenty of things to be afraid of in October. Haunted houses. Horror movies. The bowl of Halloween candy you bought three weeks too early. Your investment portfolio probably shouldn’t be one of them. And yet, markets have an impressive ability to bring out some of our worst instincts. A few ugly days can make us want to sell. A long stretch of great returns can convince us we’ve figured out the market. And a scary headline can suddenly make a perfectly reasonable investment plan feel...

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Michelle Francis

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