{"id":51,"date":"2021-09-01T15:56:04","date_gmt":"2021-09-01T15:56:04","guid":{"rendered":"https:\/\/bwfinancialplanning.com\/2021\/11\/04\/what-ive-been-reading-september-1-2021\/"},"modified":"2025-08-06T16:13:58","modified_gmt":"2025-08-06T16:13:58","slug":"what-ive-been-reading-14","status":"publish","type":"post","link":"https:\/\/bwfinancialplanning.com\/?p=51","title":{"rendered":"Simple Does Not Equal Easy"},"content":{"rendered":"<h3><a href=\"https:\/\/www.whitecoatinvestor.com\/the-majesty-of-simplicity\/\"><strong>The Majesty of Simplicity<\/strong><\/a><\/h3>\n<p class=\"\">The financial industry is paid to make things complicated. My job is to help keep things simple while always remembering that simple does not equal easy.<\/p>\n<div class=\"\n          image-block-outer-wrapper\n          layout-caption-below\n          design-layout-inline\n          combination-animation-none\n          individual-animation-none\n          individual-text-animation-none\n        \" data-test=\"image-block-inline-outer-wrapper\"><\/p>\n<figure class=\"\n              sqs-block-image-figure\n              intrinsic\n            \" style=\"max-width: 434px;\"><\/p>\n<div class=\"image-block-wrapper\" data-animation-role=\"image\">\n<h3><a style=\"font-size: revert; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\" href=\"https:\/\/awealthofcommonsense.com\/2021\/08\/why-i-might-never-pay-off-my-mortgage\/\"><strong>Why I Might Never Pay Off My Mortgage<\/strong><\/a><\/h3>\n<\/div>\n<\/figure>\n<\/div>\n<p class=\"\">Should I pay off my mortgage? This article highlights how we don\u2019t live in a spreadsheet and why there is no right or wrong answer to this big personal finance question.<\/p>\n<h3><a href=\"https:\/\/www.morningstar.com\/articles\/1055581\/8-financial-dos-and-donts-for-the-7-figure-retirement?utm_source=eloqua&amp;utm_medium=email&amp;utm_campaign=newsletter_advisordigest&amp;utm_content=31275\"><strong>8 Financial Do\u2019s and Don\u2019ts for the 7-Figure Retirement<\/strong><\/a><\/h3>\n<p class=\"\">Morningstar always has great resources to learn more about personal finance.<\/p>\n<h3><a href=\"https:\/\/www.wsj.com\/articles\/the-lazy-investors-guide-to-getting-stuff-done-11630076464?mod=djintinvestor_t\"><strong>The Lazy Investor\u2019s Guide to Getting Stuff Done<\/strong><\/a><\/h3>\n<p class=\"\"><em>\u201cThe\u00a0<\/em><a href=\"https:\/\/www.amazon.com\/Maxims-Thinking-Analytically-legendary-Zeckhauser\/dp\/173534088X\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><em>more uncertain<\/em><\/span><\/a><em>\u00a0your environment feels, the stronger this \u201c<\/em><a href=\"https:\/\/citeseerx.ist.psu.edu\/viewdoc\/download?doi=10.1.1.632.3193&amp;rep=rep1&amp;type=pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><em>status-quo bias<\/em><\/span><\/a><em>\u201d will be.\u201d\u00a0<\/em>Jason Zweig gives 3 tips to overcome lack of action when it comes to investments.<\/p>\n<h3><strong>5 Ways Women Can Combat Investing Disadvantages<\/strong><\/h3>\n<p class=\"\">We as women make less and take more career breaks to care of children and aging parents. Here are some tips to bolster your long term investing.<\/p>\n<h3><a href=\"https:\/\/jlcollinsnh.com\/2021\/08\/14\/part-xxxvi-estate-planning-101-the-simple-path-to-an-estate-plan\/\"><strong>Estate Planning 101<\/strong><\/a><\/h3>\n<p class=\"\">An estate plan is one of those to-do\u2019s that gets put off for another day.<\/p>\n<p class=\"\">Prince died without a will.<\/p>\n<div class=\"\n          image-block-outer-wrapper\n          layout-caption-below\n          design-layout-inline\n          combination-animation-none\n          individual-animation-none\n          individual-text-animation-none\n        \" data-test=\"image-block-inline-outer-wrapper\"><\/p>\n<figure class=\"\n              sqs-block-image-figure\n              intrinsic\n            \" style=\"max-width: 480px;\"><\/p>\n<div class=\"image-block-wrapper\" data-animation-role=\"image\"><\/div>\n<\/figure>\n<\/div>\n<p class=\"\"><em>Disclosures:<\/em><\/p>\n<p class=\"\"><em>BW Financial LLC dba BW Financial Planning is an Investment Adviser registered with the State of Colorado.<\/em><\/p>\n<p class=\"\"><em>All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication&#8217;s conclusions. This communication is for informational purposes only and should not be construed as legal, accounting and\/or tax advice. Should you have any questions and\/or issues in these areas, please consult your legal, tax and\/or accounting adviser.<\/em><\/p>\n<p class=\"\">\n","protected":false},"excerpt":{"rendered":"<p>The Majesty of Simplicity The financial industry is paid to make things complicated. My job is to help keep things simple while always remembering that simple does not equal easy. Why I Might Never Pay Off My Mortgage Should I pay off my mortgage? This article highlights how we don\u2019t live in a spreadsheet and [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":330,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,12,18],"tags":[22,23],"class_list":["post-51","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-behavioral-finance","category-financial-planning","category-retirement","tag-financial-planning","tag-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Simple Does Not Equal Easy<\/title>\n<meta name=\"description\" content=\"The financial industry gets paid by making things complicated. 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My job is to keep things simple while remembering that simple does not equal easy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bwfinancialplanning.com\/?p=51\" \/>\n<meta property=\"og:site_name\" content=\"bwfinancialplanning.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bettyfinancial\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-01T15:56:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-06T16:13:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bwfinancialplanning.com\/wp-content\/uploads\/2022\/01\/maddi-bazzocco-waNAJOI7Jz8-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1790\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Betty Wang\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@BettyFinancial\" \/>\n<meta name=\"twitter:site\" content=\"@BettyFinancial\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Betty Wang\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/bwfinancialplanning.com\/?p=51#article\",\"isPartOf\":{\"@id\":\"https:\/\/bwfinancialplanning.com\/?p=51\"},\"author\":{\"name\":\"Betty Wang\",\"@id\":\"https:\/\/bwfinancialplanning.com\/#\/schema\/person\/c7876015f1ab78131941c6d7a0a408f5\"},\"headline\":\"Simple Does Not Equal Easy\",\"datePublished\":\"2021-09-01T15:56:04+00:00\",\"dateModified\":\"2025-08-06T16:13:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bwfinancialplanning.com\/?p=51\"},\"wordCount\":336,\"publisher\":{\"@id\":\"https:\/\/bwfinancialplanning.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/bwfinancialplanning.com\/?p=51#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bwfinancialplanning.com\/wp-content\/uploads\/2022\/01\/maddi-bazzocco-waNAJOI7Jz8-unsplash-scaled.jpg\",\"keywords\":[\"Financial Planning\",\"Retirement\"],\"articleSection\":[\"Behavioral Finance\",\"Financial Planning\",\"Retirement\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bwfinancialplanning.com\/?p=51\",\"url\":\"https:\/\/bwfinancialplanning.com\/?p=51\",\"name\":\"Simple Does Not Equal Easy\",\"isPartOf\":{\"@id\":\"https:\/\/bwfinancialplanning.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bwfinancialplanning.com\/?p=51#primaryimage\"},\"image\":{\"@id\":\"https:\/\/bwfinancialplanning.com\/?p=51#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bwfinancialplanning.com\/wp-content\/uploads\/2022\/01\/maddi-bazzocco-waNAJOI7Jz8-unsplash-scaled.jpg\",\"datePublished\":\"2021-09-01T15:56:04+00:00\",\"dateModified\":\"2025-08-06T16:13:58+00:00\",\"description\":\"The financial industry gets paid by making things complicated. 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