Archives For Money

By Eric on June 1, 2015 +

Birthdays, nesting for a baby due in June, basement projects, a trip to Chicago to visit a friend, and a new job… that’s what I’ve been up to since my last post on March 5, 2015. I haven’t gone that long without publishing a blog post since 2011. It’s crazy to think about, but here I am at another transition point.

This past year has been quite an adventure for our family. Of course, in His infinite wisdom and sovereign timing, God has provided for us every step of the way. As the journey takes a turn in the months and years to come, I can be certain that I’ve learned to lean on him with my every need and concern.

Here’s the story…

If you’ve been around since the beginning, you know that this site started as a personal blog. Then, for a couple years, Kelsey and I were both posting here about personal finance and lifestyle. Last year in April, Kelsey decided to concentrate on her own lifestyle site, Snappy Casual, and I continued to post here about personal finances. Sharing our story seemed to strike a chord with others and last June I decided to take a step of faith, follow my passion and become a Dave Ramsey-trained financial coach. In August, I quit my full-time job to pursue financial coaching to help others with their finances. Along the way I met a slew of amazing people (including many blog readers), challenges, and thoughts of “what in the world am I doing?”, while trusting that God had me where I was for a reason.

Over the past six months, I’ve worked part-time jobs to help support my coaching income, including stocking the shelves at Costco from 5:00-10:00 am and, most recently, assisting a financial planner I met through my church. After about a dozen crazy, only-God-could-orchestrate-that moments, I recently accepted a job offer from AO Wealth Advisory (where I’ve been working part-time since February) and will be started full-time June 1 as an Associate Financial Planner. I’m excited to be able to support my family while doing what I love full-time – helping other families with their money.

What this means for financial coaching

I am still able to take on financial coaching clients, but all work must be booked through AO Wealth Advisory. Advisory services through Investment Advisors Corp., an SEC registered advisory firm.

What this means for Words of Williams

As I’ve done the past couple months, I’ll be taking a step back from blogging. While I still want to help as many people as possible, I am excited to pour into my new career and my family. I will soon begin taking classes to earn licenses to further my value with AO Wealth Advisory, and with another kid joining our family soon, postings will be more sporadic. To keep up with our family adventures, check out Snappy Casual. I love how Kelsey’s documenting our family life.

The content that’s currently on the site will remain here to help those who need it. Don’t hesitate to email me with questions or contact AO Wealth Advisory if you need financial planning assistance.

By Eric on February 27, 2015 6

Plateau, boredom, stagnant, comfort… just a few of the words that are coming to mind as we enter the home stretch of our Whole30. I’ll talk about where we’re at with our budget in a minute, but for now, let’s talk feelings.

Favorite Whole30 BreakfastFavorite Whole30 Breakfast

There has been a looming event that has caused a lot of discussion between Kelsey and I over the past week. We knew about it before we started our Whole30, but talked ourselves into starting anyway because… if not now, when? That event is tomorrow… Rooney’s 3rd birthday party (Orange & Pink theme).

Our Whole30 will be complete after lunch on March 3(her birthday is March 2), but the party has been daunting to think about. Not only are we preparing a bunch of snacks, and food that we’re not able to eat ourselves, it’s just so close to the end that it seems it might be easier just to throw in the towel on day 28 rather than sticking it out for the Whole30 days (see what I did there?).

Continue Reading…

By Eric on February 17, 2015 5

Well… we’ve done it… We’re half way through our Whole30 and we’ve officially gone over-budget. We’re “OK” with this based on a few reasons.

  1. It’s an investment in our health.
  2. It’s only 30 days. (We don’t have to ever do this again)
  3. We may have overspent on buying meat in bulk.

Whole30 half way

Investment in our health

The education we’re getting in cooking at home, not eating out, grocery shopping, reading labels, etc. is priceless. We’re armed with more information about food, how our bodies react to food, and why we should stay away from ingredients we can’t pronounce.

Until a few years ago, I hadn’t given two thoughts about the food I was eating. Never. I just ate what I wanted, when I wanted. While I know now that getting started eating healthy can pretty much be a second job, it’s worth it.

I’m starting to feel the benefits of feeding my body nutritionally. Yesterday afternoon (day 11) I realized that I actually had energy at 2:30 in the afternoon. Previously, this would be where I hit a wall and wanted nothing more than to take a nap.

I can start to feel myself becoming more productive during the day as well as have mental focus and clarity. All things I hoped to gain from going through this 30 days of no ice cream Whole30.

Continue Reading…

By Eric on February 10, 2015 2


Budgeting is a beginner’s skill to achieving our personal finance goals. Budgeting is a necessary tool that helps us plan where we want our money to be spent, and allows us to evaluate our spending compared to our plan as the months and years go on.

It’s a fantastic tool, and I can’t imagine living without a budget. But, often times I think people give up on budgeting because it doesn’t show immediate results. It’s by no means a “get-rich-quick” process. It’s a discipline that must be invested into with time and thinking power to ensure you’re getting the most out of the budget.

There is no budgeting software that will answer the question you must answer before harnessing the power of budgeting in getting where you want to go.

How Bad Do You Want It?

What’s your level of commitment to accomplish what you set out to do (fill in the blank with your financial goals)? Without a zeroed in target, we’re likely to miss the mark every time.

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By Eric on February 6, 2015 15

On Sunday evening we started our Whole30 that I talked briefly about here. In summary, it’s a 30 day program of no sugar or processed food. Which means three meals a day consisting of a palm sized portion of protein, filling the rest of my plate with vegetables, adding in some healthy fats (avocados, nuts, coconut oil, etc.), and if I’m still hungry, a small portion of fruit to top it all off.



Kelsey has agreed to join this adventure with me, and I’m happy to have the company. We’re already battling the sugar cravings and headaches as we attempt to slay the sugar dragon. Mine started on day 2 but have subsided since, and Kelsey’s are kicking in as of days 3 and 4 in the form of cookie dough fantasies, and longing for a bag of conversation hearts.

My hope in terms of results is far beyond outward visible changes. I’m not looking to lose weight, but my goals in completing the Whole30 are as follows:

  • Better, more restful sleep
  • More natural energy throughout the day
  • Clear mental focus
  • Increased productivity
  • Establish “better than before” eating habits
  • More family time in the kitchen and at the dinner table

I started this journey in a weird way. Kelsey bought the book “It Starts With Food“, and one evening I happened to pick it up, and couldn’t put it down. Most of the book is filled with the science behind the program, how our bodies react to certain foods, why we crave sugar, and what it does to our  minds and bodies.

On the one hand, I wanted to skip over most of the book and get to the Whole30 program (the rules, guidelines, and recipes), but on the other hand, the why behind it all was fascinating. I wore out my highlighter reading the book!

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