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Market crash “secret weapon?” From Christy Robinson

“GO! GO! GO!”

You paddle as hard as you can.

You pop up on your surfboard and realize you were RIGHT.

It’s the best wave you’ve seen all day. Every minute of patience leading up to this was worth it.

This is the exact feeling you could have when the market goes down.

You may have felt panicked or stressed in the past, expecting you’ll lose money when the market dips.

What you feel is 100% normal.

But there’s a better way.

When a passerby sees a huge wave crashing on the shore, they think “Wow, that’s chaotic and potentially dangerous if I get caught up in it.”

But a surfer only sees opportunities.

They wait patiently for the chaos you’re witnessing and ride the wave with complete confidence.

There are significant (and interesting) opportunities “hiding” inside every market “wave.”

The good news is, you now have access to this FREE Guide: Market Crashes and Sudden Swells: 3 Ways to Surf the Waves and Not Drown

Inside, you’ll discover:

  • How to turn panic into excitement when the markets drop
  • When “do nothing” is the best strategy and when it becomes dangerous
  • How to harness hidden opportunities AND find comfort — at the same time

After you read it, you’ll be able to turn your fear of market crashes into a “secret weapon.”

Each time you wake up and hear “markets are down 10%” on the news, you’ll smile and think, “It’s just another opportunity!” like you have a secret all the other panicking investors don’t know.

Helping you ride the wave,

The Atlantis Wealth Team

Securities are offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Atlantis Wealth are not affiliated. Cambridge does not provide legal or tax advice.
P.S. I highly recommend you read this FREE Guide. It will take less than 10 minutes to read. Once you’re done, you’ll feel much more confident navigating market crashes and “swells.”


Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results.

This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only.

Robinson, C. (2022, May 12). Market crash “secret weapon?” From Christy Robinson [Email / Outlook Market crash “secret weapon?” From Christy Robinson].
Atlantis Wealth

Practical Ways to Save Money

Saving money often starts with changing “spending” habits. Here are some ideas that can help: Get cooperation from your family; Involve your kids; Control living expenses. Want to learn more practical ways to save money? A credit union can help!

When you’re on a mission to save money it might seem like it will take forever for savings to grow. Saving money often starts with changing “spending” habits. Here are some ideas that can help:

Get cooperation from your partner.

Controlling spending starts with you but, if you have a spouse or children, it’s essential to have buy-in from family members to make it work.

Talk with your partner first, then involve your kids in age-appropriate ways. Discuss money management as a couple—get organized, put goals and details in writing, and schedule a money management meeting. Also:

  • Develop a spending plan together.
  • Agree on who will take responsibility for what.
  • Learn more about your finances. Honesty is key. Know details so you know what you’re dealing with.
  • Set SMART goals: specific, measurable, attainable, results-oriented, and have set time periods.

Involve your kids.

Once you and your partner are on the same path, involve your children:

  • Make it fun — Have a weekly contest to see who can save the most. When grocery shopping, see who can find the best deal on a certain item.
  • Be consistent — Make sure you and your partner agree on what you’ll teach your kids about money management and how you’ll do this.
  • Stay flexible — Realize that life happens. If you can’t save as much in one week or month, that’s OK. Get back on track as soon as you can.
  • Be a role model — What you do in front of kids makes more of an impression than what you say.
  • Separate wants and needs — Maybe your family would like to take a vacation, but you also need a different car. You don’t have to go without everything, and you can make adjustments to plans. For example, consider a “staycation” where you take day trips around town instead of scheduling a family road trip this year.
  • Pay bills together — Let your children watch as you pay bills online or write checks.

Control living expenses.

We often accept expenses as they are without trying to change them. Here are some areas where, with just a little work, you might be able to reduce your bills:

  • TV, Internet, and phone — Check with providers to make sure you’re getting the lowest rates. Contact providers before the promotional periods end to find out what future rates will be. Don’t hesitate to contact providers at any time to ask for the best deal. Find out if bundling services can help you save.
  • Insurance — Compare policies. Check the National Association of Insurance Commissioners website for price comparisons and the Insurance Information Institute for advice about picking reputable companies. Consider raising deductibles. Ask about discounts for kids away at college and not using vehicles, and about good student discounts for kids in high school.
  • Food — If you fall into the routine of going out for dinner or picking up takeout, try cutting back. Stop at the grocery store and buy ingredients for a fun meal—have a taco night or make your own stir fry. Bring leftovers to work or have healthy options at home to use for lunch. Use coupons when grocery shopping. If you don’t get the newspaper, consider downloading the Flipp app to your phone or tablet. The app allows you to browse ad flyers for stores in your area and highlights the top deals.
Saving money often starts with changing spending habits.

Your credit union can help.

The professionals at your credit union can help you—and your family—get on track with saving:

  • Use direct deposit and automatic transfers from checking into savings. Chances are, once you set up transfers to savings you won’t even miss the income—and you’ll establish a great habit.
  • Automate anything you can by using online or mobile bill pay and reminders. This will help you make consistent progress on financial goals, and help you avoid late fees.
  • Refinance your mortgage or car loans to take advantage of lower rates, if you qualify. Talk to a credit union loan officer about options to reduce your debt load or to retire debts faster.

Give yourself credit for your progress and accept that reducing spending and increasing savings will be a lifelong effort. But it also pays lifelong dividends.

Practical Ways to Save Money. (n.d.). Default. Retrieved April 14, 2022, from https://www.yourmoneyfurther.com/blog/post/YMF/2022/03/16/practical-ways-to-save-money


Financial Education Resources

Resources for Youth

We offer financial empowerment resources to help young Tennesseans make responsible money choices and grasp critical financial concepts.

Printable Lessons for Financial Education

Lesson 1: Responsible Money Choices

Download Now

Lesson 2: Income and Careers


Lesson 3: Making Plans with Money


Lesson 4: Credit and Borrowing


Lesson 5: Insurance and Safety


Lesson 6: Saving and Investing


Financial Empowerment Resources for Adults

The Tennessee Financial Literacy Commission presents Financial Empowerment Resource Library.

TNFLC Financial Empowerment Center. (n.d.). Tennessee Financial Literacy Commission Financial Education Powered by EVERFI. Retrieved April 4, 2022, from https://tnflc.everfi-next.net/

Have you heard of The Atlas?

Have you heard of The Atlas by Enbright’s wealth management partner, Atlantis Wealth? 

With The Atlas, you are able to access your financial life all in one place so you can stay organized and clutter-free.  You’re also able to instantly visualize the impact of your decisions or your financial plan using the interactive decision center. This process will help you feel confident in your decision-making.

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Learn more at https://www.atlantiswealth.com/theatlas to request access or a free Atlas guide! 


The Financial Topics You Need To Discuss With Your Partner When You’re Engaged

The Financial Topics You Need To Discuss With Your Partner When You’re Engaged

By:  | Gabrielle Olya | Tue, March 1, 2022, 10:00 AM·4 min read

When you get married, you are legally merging your finances with another person (even if you keep separate bank accounts). So it’s important that you and your partner are on the same financial page before officially tying the knot. In today’s “Financially Savvy Female” column, we’re chatting with Cecilia T. Williams, CFP, director of investment operations/CCO at Halbert Hargrove, about the money topics you should be discussing with your fiancé(e) ahead of your big day.

What financial aspects change when a couple becomes legally married?

Taxes are definitely something that can work to your advantage — or sometimes not, depending [on your situation]. You need to talk to your CPA [about] the choice of filing jointly. In general, the consensus is that there is a possibility to save when you’re combining your income, but it really depends on both of your situations to determine if there’s a saving there.

One thing to note, too, when filing, it doesn’t matter when in the year you were married. If you got married on Dec. 31, you can start filing [jointly], so that’s something that you should take into consideration.

Another thing that changes in finances is sharing [responsibility]. In modern times, I know there are people who choose to keep bank accounts separate, or funds separate. That’s great, I really don’t have an opinion either way. But something that you should still be aware of is that legally, you did intermingle, so if one spouse incurs debt in their name, that can become debt for yourself as well. Be aware that even if you choose, from an accounting side, to keep things separate, you are looked at as a unit and it is shared — your debt, your income, everything. So that’s something to keep in mind.

What financial topics should a couple discuss before becoming legally married?

The three D’s (which are really scary) — divorce, debt and death. You don’t want to think about all of those things at the onset, but it’s important to discuss all of them.

You have to plan, unfortunately, for a case when you do divorce. What does that look like? Normally, when you’re married, your spouse becomes the beneficiary of your assets. Before you get married, you should have a discussion about how you want your assets passed on.

Going into your marriage, you want to make sure that you outline what debt what you are working on to pay down. It could put a damper on your future living expenses, so you want to make sure that you’re both on the same page. I have a colleague who recently got engaged and had to have that fearless conversation with her fiancé about how much debt they have and how they’re working towards it. It’s a scary conversation to have and no one wants to have it, but you can imagine, if you have that conversation after you’re married, it’s very, very different and it’s a big hurdle to overcome. So talking about that is very important.

Unfortunately, death also [is something you should discuss]. Talking about what your plans are, what you see for your estate, how you want to pass on your assets. Your partner should know very well what your intentions are so that they can help to carry that out if something happens to one of you.

What are some financial goals a couple should ensure they are aligned on before tying the knot?

Just because it takes so much of your income, where you want to live. Do you want a big house with five bedrooms, a pool everything, or do you have a smaller, simpler lifestyle in mind where a small condo is OK? Since housing takes such a significant part of your income, you and your future spouse should be on the same page and are hopefully saving for those same goals. That’s really important to talk about.

The second biggest expense is going to be future children that you may or may not have, so saving and what you want to contribute to your children. Do you want to contribute to their education? You’re taking care of them for 18 years, are you also paying for their schooling after that? If so, you’ll probably have to set aside a significant amount of money as a couple, so you have to decide what that looks like for both of you.

Then, you definitely have to talk about retirement and what your goals are there. We’ve seen couples who have very different ideas about what retirement means. Does it mean, let’s give up everything and travel Europe for the rest of our lives? For some, they may never ever intend to quit working. They just maybe want to go part-time. Understanding what those goals are and what [your partner’s] future aspirations are can help you as a couple to decide how much you have to save for it.

GOBankingRates wants to empower women to take control of their finances. According to the latest stats, women hold $72 billion in private wealth — but fewer women than men consider themselves to be in “good” or “excellent” financial shape. Women are less likely to be investing and are more likely to have debt, and women are still being paid less than men overall. Our “Financially Savvy Female” column will explore the reasons behind these inequities and provide solutions to change them. We believe financial equality begins with financial literacy, so we’re providing tools and tips for women, by women to take control of their money and help them live a richer life.

About the Author

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and People.com. Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert.

SOURCE: The Financial Topics You Need To Discuss With Your Partner When You’re Engaged. (2021, November 30). GOBankingRates. https://www.gobankingrates.com/money/financial-planning/financial-topics-you-need-to-discuss-with-your-partner-when-engaged/?utm_campaign=1157488&utm_source=yahoo.com&utm_content=13&utm_medium=rss


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