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The Financial Navigator

Before you say yes… run the numbers

February 20, 2026 Stephanie & Kris Smith Comments Off on Before you say yes… run the numbers

This week, we had a solar panel salesperson come to the house. Before he even sat down, we told him outright: “We are skeptical.” Not in a combative way. Just honest. Solar panels seem so responsible and forward-thinking. Helping the environment and saving money. It sounds smart.  But I don’t make financial decisions based on feelings. […]

The Financial Navigator

When your business is profitable… but you still feel broke

February 6, 2026 Stephanie & Kris Smith Comments Off on When your business is profitable… but you still feel broke

The last couple of weeks have been…. different. We had an ice storm one weekend, then a big snow the next. The boys were out of school for a few days and life slowed down whether we wanted it to or not. Fewer places to be. More time at home. Watching the kids run, laugh, […]

The Financial Navigator

Building a business that bounces back

January 23, 2026 Stephanie & Kris Smith Comments Off on Building a business that bounces back

Our son scored his very first futsal goal this week. ⚽ He’s been showing up, practicing hard, and putting in the reps for months. It wasn’t always fun, and sometimes the progress felt slow. So to see him sprint down the court, find the perfect opening, and nail it? It was beyond exciting. The entire […]

The Financial Navigator

A smaller Christmas, a clearer plan

January 9, 2026 Stephanie & Kris Smith Comments Off on A smaller Christmas, a clearer plan

I don’t know how your holidays went, but ours looked a little different this year. Things were quieter, simpler, and honestly… better. After getting laid off earlier in the year, we made a decision to have a “smaller” Christmas. Fewer gifts. Less running around. No chaos and no pressure. What did this look like? Just […]

The Financial Navigator

From $200 to $41,000: What we learned the hard way

November 14, 2025 Stephanie & Kris Smith Comments Off on From $200 to $41,000: What we learned the hard way

Back in September, we hit one year in our new house. (yay!) And this week? We’ve had contractors coming by every day. That’s because most new builds come with a one-year warranty. And right now, we’re finally getting around to all the little things we knew we needed to get fixed, but that weren’t urgent […]

The Financial Navigator

A spooky cost hiding in plain sight

October 31, 2025 Stephanie & Kris Smith Comments Off on A spooky cost hiding in plain sight

Today is Halloween, and our boys (6 and 9) are already buzzing with excitement. They’ve got their costumes picked out, bags ready, an their neighborhood walk plans mapped out. Now, we are not a “scary Halloween” kind of household. We don’t need any creepy clowns and cobwebs in our lives. We like to keep it […]

The Financial Navigator

The $22,000 leak that no one saw coming

October 17, 2025 Stephanie & Kris Smith Comments Off on The $22,000 leak that no one saw coming

Last week, I got one of those letters no homeowner wants to see. It was from our neighborhood HOA, and it started out pretty routine. But about halfway through the letter, our eyes landed on the number. $22,367 Apparently, there had been a major water leak underground. No puddles, no warning signs. Just a slow, […]

The Financial Navigator

Chaotic week? These 5 numbers will keep you steady.

October 3, 2025 Stephanie & Kris Smith Comments Off on Chaotic week? These 5 numbers will keep you steady.

This week has been a test. We had the stomach bug make an appearance in the house – not once, but twice. There have been more loads of laundry than I care to count. Sleep has been… optional. And somehow, through it all, life has kept marching on: work deadlines, client calls, soccer practice, and […]

The Financial Navigator

Two goals, one big reminder

September 19, 2025 Stephanie & Kris Smith Comments Off on Two goals, one big reminder

Two goals, one big reminder This past weekend, my 6 year old son scored not one, but two goals in his soccer game. It was only the second game of the season and you should have seen the look on his face afterwards. Pure joy. His eyes lit up. Arms shot up in the air. […]

The Financial Navigator

When life gets messy, clarity matters

September 5, 2025 Stephanie & Kris Smith Comments Off on When life gets messy, clarity matters

When life gets messy, clarity matters It’s been a few weeks since I last wrote, and I want to start by saying thank you – for being here, and for giving me a little space. My aunt passed away recently, and it’s been an emotionally heavy time for our family. She was a psychologist, and […]

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