A Basic Financial Planning Checklist
A Basic Financial Planning Checklist
A realization that has only very slowly occurred to me, over 15 years in the world of financial planning, is that the most common financial planning mistake that I see people make is not so much a particular bad decision, but rather completely ignoring certain parts of financial planning.
In many cases, that shows up in the form of focusing too much on the investing part of the picture, while having some other critical financial planning need that is going unaddressed.
And that’s not terribly surprising. Investing involves thinking about upside — how your assets will grow (and how they could grow, if you make a high-risk bet and get lucky). That can be fun.
In contrast, many critical financial planning tasks involve thinking about downside. (What if you become disabled or die earlier than anticipated?) That’s less fun.
In addition, a lot of critical financial planning tasks look suspiciously like work.
What follows is just a brief checklist of financial planning topics, all of which should probably be addressed before spending much time thinking about exactly what is the correct allocation to international bonds or whether index funds are preferable to ETFs.
Insurance Planning:
Do you have health insurance? (And if it’s open enrollment season, have you checked to see whether there’s a different plan that might be a better fit for your household?)
To continue reading, please go to the original article here:
https://obliviousinvestor.com/financial-planning-priorities/
Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
RV Excerpts from the Restored Republic via a GCR Update as of Wed. 5 Aug. 2026
Compiled Wed. 5 Aug. 2026 12:01 am EST by Judy Byington
The Plan Never Failed
The Great Awakening Golden Age of Freedom & Sovereignty Has Arrived
The World Has A Fair, Transparent, Asset-backed Financial System
As Old Systems of Control, Deception & Scarcity Collapse
Iraq's Issued Currency Hits $86.3B In May
2026-08-04 Shafaq News- Baghdad Iraq's issued currency rose to 113.560 trillion dinars ($86.3B) at the end of May 2026, up from 112.896 trillion dinars ($85.8B) a month earlier, as cash circulating outside the banking system continued to increase, according to official data released by the Central Bank of Iraq (CBI).
Good Morning Dinar Recaps,
Global Bond Markets Flash Warning Signals: Rising Treasury Yields Test Confidence in the Financial System
Global bond markets are sending an increasingly important message as investors weigh persistent inflation, growing government debt, and the Federal Reserve's next policy moves, with implications reaching far beyond Wall Street.
Gold at $42.22 and "One of the Great Mysteries" | Phillip Magness
Kitco News: 8-4-2026
Economic historian Phillip Magness tells Kitco News anchor Jeremy Szafron that Americans who surrendered gold in 1933 at $20.67 an ounce got none of the gain when Washington repriced it at $35 less than ten months later.
"It's always the private sector that gets the bad end of it." America's 261.5 million ounces are still carried on the federal books at $42.22 an ounce, about $11 billion against more than $1 trillion at market.
KTFA
Tuesday Night Video
FRANK26…8-4-26….AKI !!!
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Currency Printing Is Knocking On Iraq's Door... Warnings Of An Economic Catastrophe
August 4, 2026 Last updated: Al-Mustaqilla/- Al-Mada newspaper revealed in a report followed by “Al-Mustaqilla”, the escalation of the financial liquidity crisis in Iraq, after the Parliamentary Finance Committee proposed the option of resorting to printing currency to secure employee salaries and avoid a financial crisis that some MPs described as potentially leading to a “revolt of hungry stomachs”, at a time when economists warn that this option may open the door to a dangerous wave of inflation if it is not accompanied by a real increase in production.
Good Evening Dinar Recaps,
Bond Market Warning: Rising Treasury Yields Signal Growing Pressure on the Global Financial System
While stock markets remain near record highs, rising Treasury yields are revealing deeper concerns about government debt, inflation, and the long-term stability of the global financial system.
Ross: The Thing about the Clarity Act
8-4-2026
In 2030 and beyond everyone is going to look back in hindsight at how primitive it seems to consider that in just 2026, the crypto industry was held back as long as it was due simply to a lack of regulation.
There is a nuclear explosion of growth pending in this market.
We’ve seen nothing yet.
Dinar Update | 113 Trillion Printed – 94% Outside the Banks | Why REER Is in Play
MilitiaMan and Crew: 8-4-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
Follow MM on X == https://x.com/Slashn
Good Afternoon Dinar Recaps,
Hormuz Breakthrough? U.S.–Iran Talks Spark Global Market Optimism
Signs of a possible U.S.–Iran agreement are easing fears over the Strait of Hormuz, sending oil lower, boosting global markets, and raising hopes for improved financial stability.
Oil Rebounds On Renewed Middle East Tensions
2026-08-04 Shafaq News Oil prices rebounded 1% on Tuesday from a plunge in the previous session, fuelled by concerns that Middle East supply remains at risk as a diplomatic resolution to the U.S.-Iran war that has disrupted shipments still seems unlikely.
Front-month Brent futures rose $1.12, or 1.3%, to $84.89 a barrel by 0355 GMT after dropping 7% in the previous session to a three-week low.
Tuesday Coffee with MarkZ. 08/04/2026
MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions
MZ: It looks like a slow news day so we can focus on some questions after we cover Iraq's liquidity crunch and Japan's already 100 billion bailout that is not enough. Pipelines and diversification hold the key to Iraq's future. Dr. Jay Caprietta shares a word after the news.
THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY
TNT:
Tishwash: Washington begins withdrawing its last troops from Iraq and Kurdistan, ending its military presence.
A report published by Al-Monitor on Saturday (August 1, 2026) revealed that the US military has begun implementing the final phase of its military withdrawal from Iraq by withdrawing its last remaining forces in the Kurdistan Region, along with air defense systems and related military equipment, in a move that represents the conclusion of the plan to end the US military presence in the country.
The report, which was followed up by "Baghdad Today", stated that the withdrawal includes forces stationed in bases within the Kurdistan Region, which represented the last American military presence after the completion of the evacuation of bases located within the areas under the control of the Iraqi federal government at the beginning of this year.
KTFA:
Clare: Channel8 Exclusive: Iraq Faces Liquidity Crunch as Oil Revenues Fall
At a Glance
Iraq faces a cash liquidity shortage.
July salary funding remains under pressure.
Oil revenues have dropped sharply.
Salaries Are Causing Panic Among Iraqis; Parliamentary Action Is Underway To Secure Them.
Information/Special.. MP Duha Laibi Al-Bahadli revealed today, Monday, a parliamentary move to host the Minister of Finance inside the House of Representatives, to discuss the issue of salaries and to identify the most prominent financial challenges facing the process of securing them.
Good Morning Dinar Recaps,
BRICS Payment Push Accelerates: Alternative Trade Systems Gain Momentum
BRICS nations are advancing local-currency trade and cross-border payment infrastructure, signaling another step toward a more diversified global financial system.
Rob Cunningham: One Ultimate Token Question
8-3-2026
One Ultimate Token Question
“If all ‘powers that be’ were forced to vote in support of one, and only one, ‘synthetic hegemonic currency’ the world must adopt today, and use for the next 10 years, with no wiggle room, delays or excuses, what token would be chosen, today?”
ANSWER:
XRP.
KTFA
Monday Night Video
FRANK26…8-3-26….KITCHEN CABINET
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Mediation Clears Way For Al-Zaidi's Saudi Visit
2026-08-03 / Shafaq News- Baghdad Iraqi Prime Minister Ali Al-Zaidi is expected to visit Saudi Arabia next weekfollowing mediation international and domestic efforts that eased tensions between Baghdad and Riyadh, a source told Shafaq News on Monday.
During the visit the two sides are expected to discuss security cooperation, economic ties, and investment. Saudi Arabia intends to present Al-Zaidi with evidence that allergy shows attacks against the Kingdom were launched from Iraqi territory.
Coffee with MarkZ, joined by Bob Lock and Zester. 08/05/2026
Some highlights by PDK-Not verbatim
MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context. Be sure to consult a professional for any financial decisions
MZ: Work continues on HCL logistics, the latest from Iran. Zester talks about the Clarity Act. Bob Lock takes questions on trusts.