It would be so nice to be able to make financial decisions in a vacuum. To just freeze the world, so you had time to sit with the problem and figure out a great solution.

But this stupid thing happens almost every time…


Sometimes it’s good life, and sometimes it’s nasty life … but it always happens.

And the problem that you thought you were trying to solve morphs into something different.


Ideal solutions rarely exist (and when they do, they don’t last)

There are times when I think my job as a financial planner is to come up with ideal solutions. The perfect series of actions that are going to lead you to success.

And sometimes… I actually think I found them.

I deliver a big ole shiny plan with numbers and charts and a gleaming pathway to your success.

It makes me feel great.

But, it probably won’t work, at least not as smoothly as that.


The reality of financial problem solving

The truth is the ideal plan sometimes doesn’t work, even if it looks perfect on paper.

One changing detail throws everything off, or it just doesn’t fit on your life.

And then my lovely plan is useless.

Well… it’s not useless, but it’s not useful on its pure surface value.

It’s useful because of the underlying process. The thoughts and questions at it’s core.

That’s what we come back to over and over again.


Financial problem solving Take 2, 3, 4, and on…

Often when I work with clients we spend 3 months gathering information, building up a plan and setting up a structure for making it all work.

And then in the fourth month we start to figure out why it doesn’t work.

And it probably doesn’t, often in some big ways.

That doesn’t mean either of us has failed (although I’m sure both of us will feel that way a little bit).

It’s because of that stupid ‘life’ thing.

The goal now becomes about adjusting, going back to the process and the fundamental goals and questions and finding a way that DOES work.

Finding a way that works with how you actually live your life, and want to use your money.

At least one that works for now…

Emily Nixon

Emily Nixon

Rags to Reasonable Community Outreach Coordinator

Emily Nixon is an actor/writer/director/filmmaking Swiss Army Knife. She is also a big money nerd and Community Outreach Coordinator for Rags to Reasonable.

She came to this work after becoming completely fed up with living paycheque-to-paycheque and being too afraid to look in her chequing account. She is passionate about empowering other artists and variable income earners to keep doing what they love and feel confident about their finances.

Email Emily at

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