BOBBY CLARK Hi Reader, The first week of the new year is aready behind us. That was quick. Before you set goals for 2026, I want to invite you to do something different. Pause. Not because you’re unmotivated.Not because you’ve given up.But because you’re tired. For many of us, the weight we’re carrying isn’t a lack of drive, it’s emotional exhaustion. Work and life has demanded more than usual. Life has felt full, heavy, and unrelenting. And money, quietly, has added to that pressure. So...
17 days ago • 4 min read
BOBBY CLARK FINANCIAL COACH Hi Reader, For years, I treated money like a test I could either pass or fail. I budgeted harder, worked longer, and still felt stuck. What finally changed my finances and my confidence wasn’t another budget sheet or more income. It was a mindset shift I didn’t see coming. I used to think effort was everything. If I just worked harder, tracked every dollar, and stayed disciplined, things would finally click. But the truth was, I was exhausted. I had built a system...
about 2 months ago • 3 min read
BOBBY CLARK FINANCIAL COACH Hi Reader, I used to wake up every day chasing numbers, income goals, savings targets, more, more, more. It took almost losing my peace to realize I was measuring the wrong kind of wealth. The Illusion of 'More' I told myself I was being responsible, building a future, creating security, doing what good providers do. But beneath the surface, 'more' had become my measure of worth. Every milestone just reset the finish line. The more I earned, the busier I became....
3 months ago • 4 min read
BOBBY CLARK FINANCIAL COACH Stephen Covey’s 7 Habits and Your Money Habits Hi Reader, Have you ever felt like no matter how hard you work, money slips through your fingers? You’re not alone. I have felt the same stress. Long hours, tight schedules, and family responsibilities leave little room for financial peace. Stephen Covey’s classic book, The 7 Habits of Highly Effective People, isn’t just for leadership. His habits also work for managing money. I want to share each one and how it...
4 months ago • 4 min read
Bobby Clark FINANCIAL COACH Marriage: Building Daily Money Habits Together Hi Reader, When my spouse and I first got married, our financial conversations sounded more like negotiations than teamwork. We had a “my money” attitude. We leaned toward individual bank accounts. Every bill, every purchase, every savings decision felt like we were sitting on opposite corners of the table. Looking back, I realize how much energy we wasted trying to defend our own corners. It wasn’t that either of us...
5 months ago • 3 min read
Hi Reader, Chemists know that a reaction can be safe and controlled or dangerous and explosive. Using the wrong ingredients, or overheating can trigger a chain reaction that’s hard to stop. Debt works the same way. At first, it seems harmless to take out a loan, use a credit card, or finance a new car. But if you don’t manage it properly, it grows faster than you expect. Before you know it, you're struggling to keep up with payments. And your financial situation feels out of control. Let’s...
7 months ago • 3 min read
Photo by Canva Hi Reader, As STEM professionals we live in a world of logic. Sometimes we forget to tune into our heartfelt and real emotions, mainly when it comes to personal growth. Data says most of us give up on our personal goals by February. But I don’t need stats to tell me that. I’ve seen and lived it. Last year a friend had a big goal to lose weight. He had a solid plan. He knew the logic: health problems = time to change. He got a walking buddy. He bought a stationary bike. He even...
9 months ago • 2 min read
Photo by Canva Hi Reader, Have you ever bought something unplanned and later wondered, Why did I do that? I walked into a big box store for one small tool. Somehow I spent $110.00. Damn… impulse spending sneaks up on us. Retailers know exactly how to make it happen. I know, I am not alone on this. Impulse spending isn’t just about money, it’s about psychology. Our brain is wired to seek instant gratification. Oftentimes at the cost of long-term financial health. The Psychology Behind Impulse...
10 months ago • 4 min read
Photo by Canva Hi Reader, Chemists know that a reaction can be safe and controlled or dangerous and explosive. Using the wrong ingredients, or overheating can trigger a chain reaction that’s hard to stop. Debt works the same way. At first, it seems harmless to take out a loan, use a credit card, or finance a new car. But if you don’t manage it properly, it grows faster than you expect. Before you know it, you're struggling to keep up with payments. And your financial situation feels out of...
11 months ago • 4 min read