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Austin Colby

Welcome.

Hello, I’m Austin.  I help people make good decisions about their money.

It is my pleasure to share encouragement with you in the realm of personal finance.  Because I am well aware that personal finance is so much more personal than finance, I feel compelled to pass on gems of wisdom that I have mined over the years as both a follower of Jesus and a wealth manager. Continue reading “Welcome.”

Featured post

Grateful to be recently selected by InvestmentNews magazine as one of the top “40 Under 40” in the industry.

Focus On The Future | Let them spend their money.


A part of the Give.Save.Spend. teaching philosophy (read more about that here) involves SPEND. That is often the most exciting one of the three for kids. It certainly can be with my children…and me to be honest.

Side-note: It is fun to spend money, especially when you know it is a part of your overall financial plan. No excuses. No regrets. No questions. No shame. No blame. Good, clean spending. Continue reading “Focus On The Future | Let them spend their money.”

Focus On Planning | The Lifeboat Drill

Placeholder ImageWhat happens if your financial world was turned upside down tomorrow? Are you prepared?

I often make clients sit down to run through what I call a “lifeboat drill.” Although not a fun exercise, it is a very practical and powerful one to practice NOW to bring you peace LATER.

It works simply like this: What exactly do/does I/my spouse do in the event of the other’s death? Continue reading “Focus On Planning | The Lifeboat Drill”

Equal OPPORTUNITY is not the same as Equal OUTCOME.

Recently Facebook’s Founder and CEO, Mark Zuckerberg, spoke at Harvard’s commencement ceremony and mentioned one of the more ludicrous things I’ve heard in quite some time.  He commented that “everyone should have a cushion (financial) to try new ideas.”  And that having a form of “universal basic income” is a way to accomplish that.

WHAT?   Continue reading “Equal OPPORTUNITY is not the same as Equal OUTCOME.”

Focus On Planning | How much do I need to save to get to my “number”?

start early.jpgOn any given day, you can turn on your television and see a variety of commercials that ultimately ask you, “What is your NUMBER?” The commercials are referencing the number you need saved for retirement, or financial freedom, or some other finishing point.   Continue reading “Focus On Planning | How much do I need to save to get to my “number”?”

reFOCUS: Quotes to consider.

You can’t build a reputation on what you are going to do.

-Henry Ford

Focus On The Future | Choose Your Words Wisely.

img_5809Children are smart. Kids grasp concepts and teachings extremely well when being taught on a one-to-one level.  Probably most amazing is to see what they pick up even when you aren’t necessarily trying to teach them something.  They never stop watching and learning. Continue reading “Focus On The Future | Choose Your Words Wisely.”

My always-and-forever, never-changing, very best encouragement for college students.

IMG_1916(A couple of my favorite future college students.)  😉

When entering the “real world”, at least from a financial perspective, you will hear a lot of noise about the best way to handle your new responsibilities.

“Defer any student loans as long as possible.”

“Make minimum payments or income-based payments.”

“Don’t worry about student loans, everyone has them.”

Listen to me… BE WISE TO THE LIES! Continue reading “My always-and-forever, never-changing, very best encouragement for college students.”

reFOCUS | Quotes to consider.

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