Ghost writer Stephanie Krikorian trusted a financial planner with her investments after a big layoff a decade ago. But years later discovered blind trust was costing her, and learned to read the paperwork, and take grownup ownership of her money strategy.  

Stephanie's money story:

Steph Krikorian:
So, basically, I get laid off and I did two quick things. I refinanced while I still had a paycheck coming in, because rates were down and they hadn't been for awhile. I thought that was a smart thing to do. Secondly, I went to this financial planner and merged several 401ks, because I had been at several jobs and never really paid much attention to it. I always put in the max that I could, et cetera. But I thought, "This will help me move it, and then I can focus on finding a job or starting a business, whichever I'm going to do."

Steph Krikorian:
I remember meeting with this financial planner and asking a very specific question, "How are you paid?" My understanding when I left that meeting, and I interview people for a living, so I feel fairly confident I was given a certain answer and didn't make that mistake, but maybe I did, my understanding was the payment for the financial planner was based on money I made, so that if I made 10%, the financial planner was paid a percentage of that. So, I do all these things, and I am on my own little austerity program. I'm doing a single pump of shampoo. You can read about all the crazy things I did to not waste money while I was trying to, you know, make sure I didn't overspend. ,I was trying to stay on my budget. I invested. I knew I had to save. Even when there was no money coming in, even though I cut everything else out, I scraped together a certain amount of money.

Steph Krikorian:
So, in the meantime, I start going on the Zen Bender, because I start reading self-help books. I've reinvented myself. I start reading self-help books. I start getting obsessed-

Bobbi Rebell:
This is all because you're ghostwriting a lot of them too, so you're really immersing yourself in your material.

Steph Krikorian:
That's how it started. I really was immersing myself in the material, because everybody has a book idea, and then they say, "Oh, it's like the Suze Orman of such and such or the Marie Kondo of such and such." So, I was reading for research, but as I read, I also got a little obsessed, because I said, "Oh my God. There's all these fixes out there. I must have all these holes in my life to fill. I'm single. I'm thick around the middle, because everyone wants to lose a few pounds. I'm trying to figure out my career." So, I started grasping at all these things a little more than necessary, as per the research.

Steph Krikorian:
So, I take my eye off the ball of what I think I had set up with the financial planner, and I spend hoards of money on Reiki, and rainbow healers, and dating coaches. You know, I could've basically probably gone to law school instead and done something productive. But all of this time I think, "You know, I've made my budget. I'm following the rules. I'm being careful." But somewhere in all that mishmash, kind of the point of the Zen Bender was I lost a little bit of confidence. I stopped trusting my gut and I kind of took my eye off the ball of the important things and ceded a lot of power to these ... you know, this dating coach who's telling me, "You've got to wear high heels and have shiny hair in order to find a husband, because he'll think you're fertile, and he'll want to marry you."

Bobbi Rebell:
Right. And probably very expensive heels too.

Steph Krikorian:
[inaudible 00:06:24] I got $200 a pop, but if you do five, then of course X,Y,Z is going to happen. The doors will open up. I had started treating my business like a business. Even though it's writing, I formed an LLC. I have a lawyer. I outsource things like copy editing, because I wanted to only do the work that was mission-critical. So, I was making enough money. It wasn't like I was on my credit card doing this stuff. You know? There were lean years the first couple of years. Then I started getting on my feet and I started making enough money.

Steph Krikorian:
Somewhere in there I have a call from my financial planner. Also, in fairness, if I step back and look at it, she gave me a couple of pieces of advice which were, "Sell all your stock from your first job," which was General Electric stock, which at the time was not a good suggestion, and, "Dump this apartment, even at a loss." I disregarded both pieces of advice. I was not going to dump that apartment at a loss. I was going to make my payments, and I was going to save it, that investment. So, I didn't take that warning sign, you know? That should have made me a little nervous, and it didn't, because I knew better. I'd worked in financial news, like you, and I knew that wasn't right. Every year I'm putting together the maximum I can scrape in and put in, but nothing's really moving in the fund. I'm in one of those funds as you age, you know, with the term and the end.

Bobbi Rebell:
The target date fund, which sometimes have double fees. Sometimes those can be very expensive.

Steph Krikorian:
Right. It didn't seem to be doing a lot, and I thought, "Oh, it must just be the time, you know. Whatever." So, we have this call and she suggests, since I've reached a certain milestone, she explains there's this, you know, almost like a fund of funds with these various ETFs in the same thing. It sort of ages as you go and it's really something to consider. I said, "Okay. Great. I guess so. Sure." She said, "And the fee is so much less. It's almost half,| or whatever. I say, "Oh, what's the fee been generally, because it shouldn't ... you know, we haven't made a lot of money, so it couldn't possibly be very high." She tells me the percentage, and I do the math, and I get furious.

Steph Krikorian:
I'm like, "Wait a minute. You're charging more out of my fund than I'm depositing every year. You should have seen that." You know, she said, "Well, I don't keep track of who's putting in more or who's not." I'm like, "That's your single job. That's like your only job, to be ... Maybe you should've stopped and said, 'Hey. I don't think you need to be in here. Just go to Fidelity and buy a fund.'" I was mad at her, but honestly I was more mad at myself, because the one thing I probably should have spent the time on was understanding what was going on there. But I got so lost in the haze of all the chaos and life change that was happening, that I trusted the professional to handle it, and I don't think ... She didn't do anything negligent or anything like that. She did what she told me she would do. It's just I didn't double check. I think you have to stay on top of these things, because the single most important thing is your money, period. It really is.

“Nobody reads the fine print. So you have to do your own annual or semi-annual check in and now I do. I check very rigorously all my financial statements. ”

Stephanie’s money lesson:

Steph Krikorian:
Double check, double check, double check, and then quarterly, when you have those check-ins, check, and maybe you're smarter than the experts. Maybe if you're in a single fund, investigate the other ways to invest in that single fund, so that you don't pay the load that you're paying a financial planner,` who has much wealthier clients to make money off of.

Bobbi Rebell:
Was she a fiduciary? Do you know? Was she a CFP? Was she a fiduciary?

Steph Krikorian:
Yup. Mm-hmm (affirmative).

Bobbi Rebell:
Really?

Steph Krikorian:
Yeah. It was a big firm and all. She wasn't doing anything wrong. She did her job.

Bobbi Rebell:
And she informed you. You just didn't hear I guess is what you're saying.

Steph Krikorian:
I misunderstood at the beginning and I was an early client.

Bobbi Rebell:
You're a financial journalist.

Steph Krikorian:
I know.

Bobbi Rebell:
Oh my goodness, Stephanie. What hope is there for everybody else?

Steph Krikorian:
I know, and I wonder. I was an early client of hers, and she was just starting out. I liked her, because she was woman and she was new, and people were giving me a chance, and I gave her a chance. I still don't regret that, but I think, you know, these things aren't transparent. You can't tell how much you pay. In fairness to anybody, it's hard to tell what percentage you're paying in these things. So, I think you have to ask those questions regularly, because things also change, and nobody reads the fine print. So, you have to do your own annual or semi-annual check-in, and now I do. I check very rigorously all my financial statements. I check my bank account to see ... You know, my bank account got hacked. If I didn't check as frequently as I did, I would never have known. So, you-

Bobbi Rebell:
Oh my goodness.

Steph Krikorian:
It did. Yeah. They had my name. They had my bank account. Must've been off a piece of paper or a bill. They were trying to get in there. They didn't get anything. But, so, you have to always check. Nothing to do with your money should ever be on autopilot, even paying your bills. You know, you can miss a bill, because autopilot is not the way to go, and that's for your financial planning and your daily accounts. You got to keep a tally.

“Walking solves all my problems… It helps creatively, it helps anxiety.. and saves some money. ”

Stephanie's everyday money tip:

Steph Krikorian:
So, you can get really caught up into these things. The average price for any of these sessions is $200. It's very easy to get-

Bobbi Rebell:
For what? I'm sorry. $200 for what?

Steph Krikorian:
Like Reiki, the astrologist, acupuncture. $200 seems to be the going rate of 2019, and buying five packs is very easy to get caught up. I would say this. Try anything, because there's a placebo effect or you find it inspiring. Try anything once. Don't buy the five packs. Just try it and see, and then step away and think of it. Don't get caught up in it. But more importantly, what I found, after all of the sessions, and all of the coaches, and thousands of dollars on a dating coach, I'm still single.

Steph Krikorian:
All the diets I tried and paid for and I think of how much per pound I've spent trying to lose the same 5, 10 pounds. Go for a walk, and then go for another walk, and then walk for more, longer, longer, longer. Walking solves all my problems, and it took me ... I knew that at the beginning, and then I didn't figure it out until the end, but it helps creatively. It helps anxiety. It does the same trick as some of this other stuff does, and it helps you work out, and it's good for your health, and so do that. That's my suggestion. Save some money. Do everything that you want to do, but just once in a while. Don't go on a Zen Bender, like I did, and hit it all hard, all at once, all the time.

Bobbi Rebell:
Amazing advice, and it's so true about walking. I get all my best ideas when I'm walking. It's also a great way to socialize, instead of going somewhere and spending money on food that will cost you money and weight.

Steph Krikorian:
What was the scariest thing to write? Oh, a lot of it was scary. It set out to be a book on humor, you know, a humor book on all these crazy things I tried, and then as I wrote it, I'm like thinking, "Well, why did I do that?" I think a couple of things, quickly, how much weight has held me back in life. You know, we all wish we were a little thinner I think. I don't know. I can't speak for everybody.

Bobbi Rebell:
Me.

Steph Krikorian:
I think-

Bobbi Rebell:
I'm raising my hand.

Steph Krikorian:
Exactly. And we all wish that we could drop a few pounds, and I spent a little bit too much time obsessing about that. That was sort of disappointing, and I was surprised I was able to put that on the page, because I really don't like to talk about it. I think being single, you know, I kind of likened the dating at ... I'm 50 now, but this whole book took place in my 40s. It's like shopping at Marshall's or T.J.Maxx. Everything is picked over. It's like seconds right now. So, that was a lot for me to talk about. You know, I had a hard time with that.

Steph Krikorian:
The realization I came to through writing and through discussing it is that after doing the Marie Kondo, I Marie Kondo'd, the living crap out of my house, including my freezer, did the doors open up? I don't know, but I learned to say no to things that didn't bring me joy. I don't think that was her intent in the book. I think that was, as interesting as ... It wasn't a hard to write about that, but it was an interesting learning experience for me that that takeaway kind of came through the process of trying to be funny about folding my socks, rolling my socks a certain way, that all of a sudden I realized, wow, I have a hard time saying no to things. Now, I'm a little better at it.

Bobbi Rebell:
We're all working on that. I think that's a big theme these days is sometimes it's okay to just decline an invitation, even if you don't have a conflict. Just say, "I'm sorry. I can't make it," and don't elaborate.

Steph Krikorian:
Exactly.

“After doing the Marie Kondo..  I learned to say no to things that didn’t bring me joy.. that takeaway kind of came through the process of rolling my socks a certain way that I realized I have a hard time saying no to things.”

Bobbi’s Financial grownup tips:

Financial grownup tip number one.:

Buy what you want if you want to be trying things. That's always all good. But when Stephanie talks about buying the five packs, that applies to pretty much any upsell that you get in life. Yes. You do get a better price per item, but you also get more items than you want or need.

Financial grownup tip number two:

If you aren't sure that you understand how someone controlling your money gets paid, keep asking until you are beyond 100% sure. Stephanie is educated and smart and was literally writing about money for her job, but she made assumptions that were not correct.

As a financial grownup, I love that she takes ownership that maybe she didn't understand what she thought she did. It can happen to any of us, if it can happen to Stephanie. Read, and reread, and then, as Stephanie recommends, go do regular check-ins, as she now does, and of course be careful with automation. It is a great tool for regular bills and such, but that doesn't mean you shouldn't be checking as well. How are you doing on this front? Do you understand how people or companies that hold your money ore paid? Is free really free if there are maybe commissions or fees in there that you may not know about. Maybe they're disclosed in very tiny print, because if something is truly free, well, then how is the company making money? You need to ask what is going on on the other side.

Episode Links:

• Blinkist - The app I’m loving right now. Please use our link to support the show and get a free trial.

• Stephanie’s website http://stephaniekrikorian.com/

• Stephanie’s book ZenBender

Follow Stephanie!

• Instagram - @stephiekrik

• Facebook - @skrikorian

• Twitter - @stephiekrik

• LinkedIn - @stephaniekrikorian

Some of the links in this post are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission at no extra cost to you. All opinions remain my own.

Certified Financial Planner Manisha Thakor bonded with her dad over a love of the HP12C calculator and all of its investing tools. Now, the author of Get Financially Naked  shares her actual math formulas on how to lock in the right number for retirement and other goals. No excuses for listeners after this episode. 

 

In Manisha’s money story you will learn:

-The important role her father played in her early financial lessons

-How she bonded with her father over an HP12C calculator

-The specific way Manisha calculated different retirement investing outcomes as a tween. 

-The role inflation plays in the future value of investments

-The power of compounding

In Manisha’s lesson you will learn:

-Why Manisha feels women in particular need to focus not just on saving but also on investing

-The corrosive power of inflation

-Why we need to put  the recent period of historically low inflation in context

-How to manage your investments in times of extreme market volatility

In Manisha’s money tip you will learn

Manisha’s investing formula

1. Take the total dollar of your current savings and investment portfolios

2. Subtract out money you know you will need to spend in the next 5 years

3. For any of your long term money, like retirement, take 110 and subtract your age 

4. That is the amount that should be in equities

5. For example Manisha is 47. 

6. 110-47 = 63 percent should be in equities

 

In My Take you will learn:

-Why you do not need an HP12C calculator because so much is available online

-Exactly how to find out the status of your retirement accounts and if you are on track to reach your goals

-How and why you should automate your retirement savings. 

 

Episode links: 

Follow Manisha!

Twitter: @manishathakor

Facebook: Manisha Thakor

LinkedIn Manisha Thakor

YouTube: Manisha Thakor

Instagram Manisha Thakor

Pinterest Manisha Thakor

MoneyZen.com

Get Manisha’s books! http://www.moneyzen.com/books/

---

Transcription

Bobbi Rebell:
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Manisha Thakor:
He showed me how to calculate how much money I would have by the time I was 65 if I invested my babysitting and my lawn mowing money, and then we did a couple scenarios. We tested how much I would have if I was earning 5% after inflation, if I earned 6% after inflation, and when I saw how big those numbers were I was just hooked.

Bobbi Rebell:
You're listening to Financial Grownup with me, certified financial planner, Bobbi Rebell, author of How to Be a Financial Grownup. You know what? Being a grownup is a really hard, especially when it comes for money. But it's okay, we're going to get there together. I'm going to bring you one money story from a financial grownup, one lesson, and then my take on how you can make it your own. We got this.

Bobbi Rebell:
We are geeking out here at Financial Grownup, but stay with me friends because you will have more money and be wealthier if you listened to this episode and follow my guest advice. Manisha Thakor is the author of Get Financially Naked, How to Talk Money With Your Honey. She is also the force behind MoneyZen, and is a practicing certified financial planner. If that sounds pretty cerebral, well, she will take that as a compliment. She started learning about investing very, very early. Here is Manisha Thakor.

Bobbi Rebell:
Manisha Thakor, welcome. You are a financial grownup. I'm so excited you're joining us on the Financial Grownup podcast.

Manisha Thakor:
I'm so excited to be here, and to be deemed by you a financial grownup.

Bobbi Rebell:
You're very much a grownup. You're the author of two books, On My Own Two Feet, and I love the second title, I know everyone does, Get Financially Naked. You also have MoneyZen. Lots going on.

Manisha Thakor:
I feel super excited about the world of personal finance and investing.

Bobbi Rebell:
Good, and I'm super excited about the story that you brought to share today, because it has to do with some father-daughter bonding around, not the dinner table, around the HP 12C calculator.

Manisha Thakor:
I love this. When I was around 11 years old, my dad, he's an MBA and a CPA, he sat me down in a moment of father-daughter bonding that only financial geeks, like ourselves, could really appreciate. He had an HP 12C calculator, which for folks who may not be familiar with it, is a financial calculator that enables you to do sophisticated compounding calculations on it.

Manisha Thakor:
He showed me how to calculate how much money I would have by the time I was 65 if I invested my babysitting and my lawn mowing money, and then we did a couple scenarios. We tested how much I would have if I was earning 5% after inflation, if I earned 6% after inflation, if I earned 7% after inflation, and when I saw how big those numbers were I was just hooked.

Manisha Thakor:
That was really my first introduction to the power of compounding, and I think because he had my physically touching the buttons on the calculator, and then he made me write down the numbers in a little grid on a notepad. I can literally still even remember what the notepad looked like. It was so tactile and so visual.

Bobbi Rebell:
Do you have the notebook still?

Manisha Thakor:
You know, I wish I did. He and I both say in retrospect, "We totally should have saved that for the grandkids," but it's in my mind's eye. That's how I got hooked on saving and investing.

Bobbi Rebell:
So then what is the lesson for our listeners? Should everyone be bonding over calculators?

Manisha Thakor:
That's right.

Bobbi Rebell:
We know that's not going to happen.

Manisha Thakor:
No, I-

Bobbi Rebell:
Let's bring it down to a realistic level.

Manisha Thakor:
The lesson for me, and the lesson that I want to scream from the mountain tops, is, and particularly for women, is that it's not enough to just save money. Saving is great, and it's freaking hard to do, but you must invest it as well, first and foremost to offset the corrosive power of inflation.

Bobbi Rebell:
Which is picking up by the way, so that's something we need to start being more aware of, and a lot of young people haven't really seen inflation at the level that other generations have. But it is going to become a bigger part of our dialog.

Manisha Thakor:
Yeah, and Bobbi, you've nailed it. We've just gone through such a bizarro period of de minimis inflation. An example I love to give is 100 bucks over a 30 year period at 3% inflation is worth $40, was, at the beginning. If you just increase that inflation to 5%, which doesn't sound like a big jump, but that drops the value of $100 in 30 years to what $20 would have bought.

Manisha Thakor:
So small [inaudible 00:05:54] inflation have a huge, huge impact, and that's why you cannot just save. You have to invest, because the first step of investing is keeping your money growing at least with the rate of inflation. If you do investing well, then ideally over the long run you grow your portfolio even faster than inflation, which increases your real purchasing power.

Bobbi Rebell:
Okay. Now for your money tip, Manisha. We're geek out even more, because you have actually brought a formula. Your, Manisha's, magical formula for investing success. I promise everyone, just stick with us, she says it really well. She's going to explain it all, and we're going to have it all written down in the show notes for you as well. Go for it.

Manisha Thakor:
The way I think about how to take your hard earned savings and invest it is the following. First, take a look at the total dollar value of your current saving and investment portfolios. Second, subtract out any money you know you need to spend in the next five years. This could be money you need for a home down payment, or it could be your six month emergency fund.

Manisha Thakor:
Then, for any of your long term money, which for most of us is our retirement money. So it's any money that you know you don't have to spend in the next five years. What you do, is you take 110, and you subtract your age to get a back of the envelop estimate of what percent of your portfolio should be invested in stocks. That was a mouthful, and Bobbi, as you mentioned, it will be in the show notes, but I'll give you an example.

Manisha Thakor:
I'm 47 years old. We'll round that down, because at my age you like to round down. To keep the math easy, 110 minus 45 equals 65. So a good starting point for me, for how much of my long term money at my age should be in stocks, is 65%. Lo and behold, that's how much I have of my long term money in stocks.

Manisha Thakor:
The biggest mistake that I am seeing with young people these days is shying away from investing their savings, because they're afraid of losing money. So they're missing those vital early years of compounding. That's why it's so important that you subtract out the money you need to spend in the next five years, so no matter what the market is doing, you're fine. The money you know you needed, it's in cash. It's only your long term money that's being invested.

Bobbi Rebell:
I think a lot of young people witnessed their older siblings, or their parents, really being burnt in the recession, and that's a lot of the hesitation.

Manisha Thakor:
I'll just say, Bobbi, when I hear somebody tell me that 2007 to 2009 ruined their retirement, what I say is, "No. Either you had the wrong asset allocation going into it, or you blink and you deviated from your plan." Because if you followed the formula that I'm saying, and you didn't have any money that you needed to spend in the next five years in the market, in 2007-2009, you would have seen your portfolio drop as much as 50%, but you wouldn't have sold a single share of anything, because you didn't need to touch it, and then you would have seen your money double or triple as you came out of the recovery.

Manisha Thakor:
So the people who lost in 07-09, where the people that were forced to sell at bottom to maintain their lifestyle, or got scared because they didn't have the cash cushion, and sold at the bottom. That's why this formula is so important.

Bobbi Rebell:
Right, and you've got to sit tight. Even the beginning of 2018 we had some scary days. You've got to know your focus and stick with the plan. All right. Mrs Manisha, I also hear you have big news, new projects, new jobs. Tell us.

Manisha Thakor:
I'm so excited. I have just accepted the role of vice president of financial education for an amazing firm called Brighton Jones. I could not be happier. When I think about what I want to accomplish in this world, my belief is that money is power, and women need more of both.

Manisha Thakor:
And so I am going to be doing my darnedest in this new role to help women achieve that. As part of that, I'm really going to be ramping up my efforts with my MoneyZen newsletter. So if listeners are interested, I encourage you, go to my website, moneyzen.com. I'll have a monthly newsletter that I'll be putting out. It's educational, and I'm really going to be working hard to share the most vital resources, articles, tools, each month around women's economic empowerment, and how we can all use personal finance and investing to increase our voices and choices. I always say, "Money gives women, it gives everyone, voices and choices," and financial education, and financial guidance are what helps unlock those doors.

Bobbi Rebell:
Awesome. Before I let you go, where can we find you on social media?

Manisha Thakor:
My name is a mouthful, and I'm the same handle on everything. I'm ManishaThakor everywhere. It's M-A-N-I-S-H-A-T-H-A-K-O-R, on Twitter, Facebook, LinkedIn, Instagram. If you forget that, go to moneyzen.com, because I have all my social media icons right up at the top.

Bobbi Rebell:
All right. Thank you so much for joining us.

Manisha Thakor:
Bobbi, always a pleasure to chat with you.

Bobbi Rebell:
As warned, Manisha and her dad totally geeked out with all that math, but the good news is, you guys don't need to go out and buy yourself fancy HP 12C calculators and do all this kind of fancy math, because these days it's really all there for you.

Bobbi Rebell:
Financial grownup tip number one, there is nothing more powerful than seeing the numbers. And like I said, you don't even have to do the math yourself these days. Log into your HR website from your job, or if you work for yourself and you have retirement accounts, which you should, go there. Go to the provider, and just take a look. Most of them will have nice calculators. They'll do the math for you. They'll have probably some graphic ways to show you how you measure up, where you are relative to your retirement goals.

Bobbi Rebell:
You can actually see how you stand, and see how you feel about it. You might get pretty emotional. It could be a really emotion. You might doing pretty well. It could possibly be not that great, but maybe that will motivate you. But the important thing is, get the information, it doesn't take much work, and make decisions from there.

Bobbi Rebell:
Speaking of decisions, financial grownup tip number two. While you're on that website, look at the retirement savings, and look for a box that says, "Increase your withholding," or a box you should check that says, "Increase your withholding by 1% every year," and of course check that box.

Bobbi Rebell:
Now, you can always undo it, but by checking that box it will automate increasing the amount of money that you are putting away each year, and you probably won't feel it because it's tax deductible, so it won't cost you that full amount, and it will amplify your savings.

Bobbi Rebell:
We have been hearing a lot from you guys, wanting to share your own financial grownup money stories, lessons, and money tips. So we are going to start having one guest a month be a listener. If you want to be considered, email us at info@financialgrownup.com, and tell us, what is the money story that you would like to share, and what is the money tip that you would also share with us, if you are chosen.

Bobbi Rebell:
Subscribe if you have not already, and help us spread the word by sharing on social media. I am @BobbiRebell on Twitter. Follow me, and please retweet these silly promo videos I'm doing. They're a lot of fun. I enjoy making them. Hopefully you guys are going to enjoy seeing them, if you have not already. Help us reach more listeners. On Instagram I am @BobbiRebell1, you can also repost those, and go to bobbirebell.com/financialgrownuppodcast to learn more about the show, and sign up for our mailing list so you can hear about things like how to be guest on the show. I hope you enjoyed Manisha's story, and that we all got one step closer to being financial grownups.

Bobbi Rebell:
Financial Grownup with Bobbi Rebell is edited and produced by Steve Stewart and is a BRK Media production.