{"id":717,"date":"2024-04-15T12:01:33","date_gmt":"2024-04-15T12:01:33","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/towerwealthadvisory\/?p=1986"},"modified":"2025-02-05T17:25:17","modified_gmt":"2025-02-05T17:25:17","slug":"spring-cleaning-finances","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/spring-cleaning-finances\/","title":{"rendered":"Spring Cleaning Finances: Five Questions To Ask"},"content":{"rendered":"\t\t
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Now that spring has sprung and many of us are in spring cleaning mode, perhaps you are looking for a bit of motivation when it comes to your finances. Here are five wealth planning questions that may be answered by simple \u201crules of thumb.\u201d These may spark meaningful discussions about wealth management, budgeting or family and estate planning \u2014 or perhaps even help to motivate better financial decisions for you or others. Consider sharing these rules of thumb with younger adults who are just starting their wealth-planning journey to help inspire their own financial thinking:<\/p>

1. How long will it take for my investments to grow?<\/strong><\/span>
The Rule of 72<\/strong>: In the investing world, we often use the Rule of 72 as a simple way to estimate the time it takes to double an investment based on a constant rate of return. Dividing the number 72 by this rate of return determines the approximate number of years it would take to double. For example, with a 6 percent rate of return, it would take approximately 72\u00f76, or 12 years. The Rule of 72 can be a good reminder of the power of compounding and the importance of staying invested over the longer term. Indeed, the opportunity to build significant wealth is within reach for both young and old investors alike. Consider that at a rate of return of 6 percent, even if you\u2019ve reached the respected age of 70, based on the average life expectancy, you are likely to see your funds double \u2014 and twice still if you become a centenarian!<\/p>

2. Am I on track with my wealth accumulation?<\/strong><\/span>
The Net-Worth Indicator:<\/strong> This rule of thumb can be used to gauge your current wealth accumulation progress based on your household income, as developed by the authors of the book \u201cThe Millionaire Next Door.\u201d Multiply your age by your realized pre-tax annual household income from all sources except inheritances. Divide by ten. The answer is your expected net worth. If your actual net worth is more than twice this figure, you are considered a \u201cprodigious accumulator\u201d of wealth. If it is below this figure, you are considered an \u201cunder-accumulator\u201d of wealth.<\/p>

3. What portion of my budget should go toward saving?<\/strong><\/span>
If you are an under-accumulator of wealth, perhaps there may be merits to engaging in budgeting to improve savings, control expenses, manage debt or instill discipline.<\/p>

\"Spring\"The 50-30-20 Budgeting Rule:<\/strong> This simple budgeting rule involves dividing after-tax income into three buckets: 50 percent to \u201cneeds,\u201d 30 percent to \u201cwants\u201d and 20 percent to \u201csavings.\u201d Needs include housing, utilities, food, transportation, healthcare and childcare. Wants are non-essential, including memberships, entertainment and fashion. Savings include investment and debt repayment; however, if you hold debt, it may be prudent to consider allocating a greater proportion to paying it down, given the higher costs of holding debt.<\/p>

4. How much of my income should be put toward a house?<\/strong><\/span>
The \u201cRule of 30\u201d for Home Purchases:<\/strong> In the past, there was a general rule of thumb that suggested the price of your home should be no more than three times your annual gross income. However, over the past decade, housing prices have skyrocketed in many metropolitan cities making this rule of thumb largely outdated. Instead, the \u201cRule of 30\u201d may be a more practical replacement, suggesting that we should limit total annual housing costs, including mortgage payments, insurance, property taxes and maintenance, to 30 percent of gross income. This rule may be especially important to help younger folks frame a purchase decision. Overspending on a house can leave individuals vulnerable to financial instability, especially in the event of unforeseen circumstances such as job loss or economic downturns.<\/p>

5. When should I be having discussions with elderly parents?<\/span><\/strong><\/span>
The 40\/70 Rule for Aging:<\/strong> This simple rule of thumb encourages discussions about aging-related matters, suggesting that these conversations should happen between adult children and their aging parents once the child reaches the age of 40 or the parents turn 70. The rule is based on the premise that it is best to start these discussions when parents are still healthy and capable \u2014 well before any potential crisis forces decisions to be made. These discussions may include difficult topics such as future care, living arrangements, decision-making support, finances and end-of-life decisions.<\/p>

Call for Support \u2014 Or Ideas!<\/strong><\/span>
Of course, it\u2019s important to remember that these rules of thumb are meant to be informal guidelines \u2014 they are oversimplified and intended to be general in nature. They do not consider individual circumstances and may not apply to everyone\u2019s particular situation.
However, they may provide high-level guidance and motivation, or inspire new thinking, when it comes to managing finances and wealth. If any of these rules of thumb prompt further questions or the need for wealth management or estate planning support, please call the office.<\/p>

\"Tower-Wealth-Advisory-Blog-Images\"<\/p>

The information contained herein has been provided for information purposes only. The information does not provide financial, legal, tax or investment advice. This does not constitute a recommendation or solicitation to buy or sell securities of any kind. Market conditions may change which may impact the information contained in this document. Wellington-Altus Private Wealth Inc. (WAPW) and the authors do not guarantee the accuracy or completeness of the information contained herein, nor does WAPW, nor the authors, assume any liability for any loss that may result from the reliance by any person upon any such information or opinions. All insurance products and services are offered by life licensed advisors\u00a0<\/span>of Wellington-Altus Insurance Inc. or other insurance companies separate from WAPW. WAPW is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. \u00a9 2024, Wellington-Altus Private Wealth Inc. ALL RIGHTS RESERVED. NO USE OR REPRODUCTION WITHOUT PERMISSION. www.wellington-altus.ca<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Now that spring has sprung and many of us are in spring cleaning mode, perhaps you are looking for a bit of motivation when it comes to your finances. Here are five wealth planning questions that may be answered by simple \u201crules of thumb.\u201d<\/p>\n","protected":false},"author":68,"featured_media":1571,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[24],"tags":[51,40,41,43,44,52,45,53,54,46,47,48,55,49],"class_list":["post-717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-50-30-20-budgeting-rule","tag-business-income","tag-financial-market","tag-global-economy","tag-investment-insights","tag-net-worth-indicator","tag-saving-strategy","tag-spring","tag-spring-cleaning-finances","tag-tax","tag-tax-refund","tag-tax-season","tag-the-rule-of-72","tag-wealth-planning"],"yoast_head":"\nSpring Cleaning Finances: Five Questions To Ask - Harvest Time Wealth<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/harvest-time-wealth\/spring-cleaning-finances\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spring Cleaning Finances: Five Questions To Ask - Harvest Time Wealth\" \/>\n<meta property=\"og:description\" content=\"Now that spring has sprung and many of us are in spring cleaning mode, perhaps you are looking for a bit of motivation when it comes to your finances. 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