Welcome to the Ray Cole Financial Blog!
Hey there, I’m Ray Cole! Whether you’re starting with $100 or managing a $1 million portfolio, my blog is here to help you master your money. Dive into practical tips on budgeting, investing, retirement planning, and more—plus free calculators and premium guides to level up your financial game. Let’s build your financial future together!
Why Values-Based Spending Matters (and How to Start)
Whether you’re earning $100 or managing a $1 million portfolio, your money should reflect what matters most to you—your values. In 2025, it’s easier than ever to spend in a way that aligns with your priorities, like sustainability, family, or personal growth. In this post, I’ll show you how to identify your values, adjust your spending to match them, and live a life that feels more meaningful. Plus, I’ve got a free Values-Based Spending Checklist to help you get started. Let’s make your money work for what you care about!