One of the best things I ever did for myself was come up with a “list of stuff you can do when you don’t know what do.” It’s a live, malleable document I keep online, filled with stuff that will make smarter, happier, wealthier or healthier whenever I get stuck. I update it whenever I think of new things that can go on the list, and reference it a few times a month.

You pull up to your house after a long day of work. Meetings, client calls, paperwork—everything you’ve done today has been for one goal: to succeed. But when you glance at your bank account, reality hits. A $10.58 balance, three pending transactions totaling $200, and the looming threat of overdraft fees. You’re a business owner, a college graduate, the picture of American success. Yet here you are, fighting just to stay above water.”

Nervous or not sure if you are ready to dive into working with a financial planner? Here are a few things to consider before taking the plunge.

A day that changed my life and became the inspiration for our firm name.