The Power of Budgeting — Beyond Cutting Coffee

By Elliot Pepper, CFP®, CPA | Northbrook Financial Budgeting gets a bad rap. Most people hear the word and immediately picture spreadsheets, guilt, or the dreaded “latte shaming.” But budgeting isn’t about sacrifice, it’s about *clarity* and *control.* In this post,...

Setting Financial Goals That Actually Stick

By Elliot Pepper, CFP®, CPA | Northbrook Financial How many times have you set a financial goal—save more money, pay off debt, stick to a budget—only to fall off track a few weeks later? If you’re like most people, you’ve been there. Setting goals is easy. Following...

Why Most People Fail at Money and How You Can Win

By Elliot Pepper, CFP®, CPA | Northbrook Financial You know the drill: Spend less than you earn. Save for a rainy day. Invest for the future. And yet, despite this seemingly simple formula, most Americans live paycheck to paycheck, struggle with debt, and feel...