Scott and I don’t have a lot of hobbies but in the South, college football is definitely a hobby! With a long season, sometimes longer than others 😊, and our own superstitions, college football requires commitment. And our hobby is Alabama Football. As you can imagine, November 2019 won’t go down as our favorite football month. But that doesn’t stop us from saying ROLL TIDE ROLL!

It's awfully important to win with humility. It's also important to lose. I hate to lose worse than anyone, but if you never lose you won't know how to act. If you lose with humility, then you can come back.                  Coach Bear Bryant

 But football and a good or bad season can easily relate to financial planning.

It takes a team, and depth. We can only imagine how ugly the season would have been with no back- ups. You need a great quarterback, but you have to have tackles. You have to have receivers and running backs. And yes, a kicker. (Is this the time to say no game is won or loss on any one play? Neither is financial independence.)

Don't give up at halftime. Concentrate on winning the second half. Coach Bear Bryant

The more one emphasizes winning, the less he or she is able to concentrate on what actually causes success. Coach Nick Saban

Now we didn’t win those big games this year, but if the plan is to meet the goal of long term financial success, you may need a few seasons to win the Championship or two, or 4, or 17.

Are 12 wins better than 10? YES!  Do 2 losses, or 2 bad years in the market, or 3, or 4, in a lifetime, derail a plan? NO!

Becoming a champion is not an easy process... It is done by focusing on what it takes to get there and  not on getting there. Coach Nick Saban

Will you have setbacks? Will you have bear markets? Will your job change? Will you help your children? In the moment, you will feel like your plan is going fail, but your coaches will be right there reminding you, this is one play. We will help you to come back in the second half, or even if it takes one more season! You’ve got a coach helping you to focus on the process, your plan, and your dreams and goals.