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Xena Financial Planning blog introduction

Xena Financial Planning is Born!

Welcome to Xena Financial Planning (Xena FP). I am so very glad you are here! Allow me to introduce you to my new firm. I honestly did not set out
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Xena Financial Planning blog refinance

Should I refinance my mortgage?

It seems like everyone I know is asking this question right now. Mortgage rates are at an ALL TIME LOW As of July 2, 2020, Freddie Mac reported that 30-year
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Xena Financial Planning blog rainy day fund

How much emergency reserve do I really need?

The conventional wisdom for an emergency reserve is about 3 to 6 months of living expenses, typically kept in a liquid, FDIC-insured account. So just how do you calculate “living
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