Small businesses are a vital component of the U.S. economy because they create jobs and generate tax revenue. But more importantly, they create an avenue for entrepreneurs to make their own dreams come true.

As we’re now entering November, the holiday season is officially on the horizon. That means one thing for your finances: it’s time to start planning your holiday spending now—not during the rush. Or maybe it’s time to find alternative ways to give this holiday season.

I’m a stress eater. And as an entrepreneur who runs multiple business channels, there’s never a shortage of stress.

If you have ever gained weight in your life, you know the feeling when you realize it’s gone too far. You feel heavy, your clothes feel too tight, you feel tired and sluggish—even a little sick. I was feeling this way not too long ago. I decided it was time to make some changes for my health, but I needed to face the truth first.

When I first meet a new client, they often expect me to start with the numbers. I hear questions about savings, investments, and retirement. But here’s the truth: the math doesn’t matter until the mindset does.

I’ve seen people lose generational wealth, not because they didn’t plan, but because their children didn’t understand how to manage what they inherited. When families come to me for help with their estate plans, the first thing I tell them is this: the documents are easy. It’s the conversations that are hard.