Last April, I sat at my kitchen table until 3 AM, surrounded by receipts, bank statements, and empty coffee cups. My laptop had seventeen tabs open, each one a different attempt to understand why my books showed I owed my business money. That’s when I finally admitted what my wife had been saying for months: “You need help.” The DIY Reality Nobody Talks About When I started my consulting business five years ago, bookkeeping seemed…
The moment that last tax form gets submitted, most New Jersey families experience that fleeting sense of financial accomplishment—only to have it quickly replaced by the nagging thought: “Should I be doing more with my money?” In a state where property taxes can rival monthly mortgage payments and a trip down the Shore for the weekend can mysteriously empty your wallet, that question isn’t just philosophical—it’s survival. The truth is, while our neighbors in Pennsylvania…