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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 (192)

Jan 11, 2026 ∙ 6 min
Three Ways to Pay for Long-Term Care: Comparing Your Options
Long-term care costs are rising faster than most people expect. In 2024, a private room in a nursing home averaged $127,750 annually. Assisted living jumped 10% to $70,800 per year. Even in-home care with a health aide now costs nearly $78,000 annually. Nearly 70% of Americans over 65 will need some form of long-term care. For women, who typically live longer, the likelihood is even higher. Yet most people reach retirement without a plan for how they'll pay for care. You have three primary...
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Jan 8, 2026 ∙ 3 min
How to Rebuild Your Finances After a Career Break
Taking time away from work - whether for caregiving, health, family needs, or simply because life demanded it - is increasingly common for women. And yet, when you’re ready to return, the financial “gap years” can feel overwhelming. Lost income, paused retirement contributions , rising expenses, and shifting priorities can make it seem like you’re starting from behind. But here’s the truth: you’re not starting over. You’re starting from experience. With the right game plan, you can rebuild...
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Jan 3, 2026 ∙ 9 min
From Paycheck to Retirement Income: Preparing for the Psychological Shift
For decades, you've received a steady paycheck. Every two weeks or twice a month, money appeared in your account. You knew exactly when it would arrive and how much it would be. That predictable rhythm shaped not just your spending habits, but your sense of security and even your identity. Now, as retirement approaches, you're facing a transition that feels more profound than you expected. You're not just changing how you spend your days. You're fundamentally changing your relationship with...
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Michelle Francis

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