Buying a home is a major financial decision influenced by interest rates, housing prices, and your personal readiness. While market timing matters, the best time to buy is when you're financially prepared—debt-free, with a full emergency fund, and savings for a down payment. Follow Dave Ramsey’s Baby Steps and consider your long-term goals. For personalized guidance, speak with a Whitaker-Myers financial advisor today.

Getting rich and building wealth aren't the same. Riches can come fast and disappear just as quickly. Wealth is built over time—through discipline, smart investing, and long-term planning. One is flashy; the other is lasting. At Whitaker-Myers, we help you take the steady, proven path to true financial security. Don't just get rich—build wealth that lasts.

A sinking fund is a smart way to save for future needs—like vacations—without going into debt. By budgeting monthly for expenses such as travel, food, and activities, you can enjoy guilt-free time with your family. Start small with staycations, use tools like the envelope system, and involve your family in the planning process. With discipline and a clear plan, you can create lasting memories while staying on track financially.

Baby Step 4 of the Ramsey Plan recommends saving 15% of your gross income for retirement. This guide explains how to structure those savings using a 401(k), Roth IRA, or taxable brokerage depending on your income, filing status, and employer plan access. Key rule: “Match beats Roth, Roth beats Pre-Tax.” Whether you're single or married, with or without a plan, there’s a strategy to fit your situation. Consult a financial advisor to create a plan that works for you.

Lifestyle creep happens when spending increases with income, limiting savings and wealth building. Signs include impulse purchases and financial stress despite raises. To combat it, set clear goals, automate savings, budget wisely, and track spending. Avoid comparisons and celebrate wins without overspending. Whitaker-Myers Wealth Managers can help create a financial plan that supports your goals while enjoying life today.

John-Mark Young named to the Forbes List of Top In-State Wealth Advisors

Tim Hilterman gets a shout out on the EntreLeadership Podcast.