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/
TNT:
Tishwash: The House of Representatives will resume its sessions on Sunday and Monday to vote on and discuss a package of laws and international
The House of Representatives will resume its sessions tomorrow, Sunday, and the day after tomorrow, Monday, with two agendas that include voting and discussing a number of draft laws and proposals.
According to the two agendas, the council will vote in its twenty-third session on a proposal to amend the Landlords Law.
GP Q: “Are we there yet?” Iraq Update as of 3rd October 2026
ARE WE THERE YET?
IRAQ
The map is being redrawn.
The dinar’s official price is not.
An Economist Accuses "Influential Parties" Of Fabricating The Dollar Crisis And Calls On The Central Bank To Intervene Urgently
Information / Baghdad... On Saturday, economist Abdul Rahman Al-Mashhadani accused influential parties of fabricating the current rise in dollar exchange rates in local markets, explaining that the goal of this rise is to achieve exorbitant profits for specific banks that are not subject to sanctions.
Good Morning Dinar Recaps,
IRAN CURRENCY RESET WATCH: CENTRAL BANK DEPLOYS UP TO $2 BILLION AS RIAL HITS NEW LOW
Iran’s effort to support its rapidly weakening currency highlights the challenges of defending exchange rates when inflation, sanctions and disrupted oil exports put pressure on a nation’s finances.
The Vigilantes Are Coming For Congress
Notes From the Field By James Hickman (Simon Black / Sovereign Man) September 30, 2026
Eight years ago in the summer of 2018, an automated monitoring system at the US government’s Social Security Agency flagged a questionable transaction and immediately forwarded it to a human worker at the agency to investigate.
It took more than a year for a Social Security employee to look into it. And it was painfully obvious— Social Security was paying too much ‘supplemental security income’ to the recipient.
KTFA
Saturday Night Video
FRANK26…10-3-26…..ANOTHER GREAT ANNOUNCEMENT
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#
Rob Cunningham: Humanity’s Relationship with Money
10-3-2026
A Story About Money, Wizards, Bridges & the Curious Human Habit of Worshiping Our Measuring Cups
Starring Judy Garland & Judy Shelton (a 3 part tale worth sharing!)
Dorothy woke up one morning and discovered she had been born inside a castle
Not literally, of course
That would have been easier
Markets Haven't Crashed Yet, and Here's Why, Gerald Celente Says
Kitco News: 10-3-2026
Gerald Celente says Wall Street and Main Street have split apart, and a crash is on the near horizon. Celente, founder of the Trends Research Institute and publisher of the Trends Journal, has spent 46 years forecasting trends.
He joins Jeremy Szafron on the stock market, gold, silver, inflation, the jobs report, the Iran war, Gen Z and what he says is coming for your money. Celente says stocks are rallying while Main Street struggles.
Basrah Crude Loses Over 7% On Week
2026-10-03 Shafaq News- Basra Iraq’s Basrah Heavy and Basrah Medium crude grades ended the week down more than 7%, despite both rising $4.94 per barrel in the final trading session.
Basrah Heavy gained 7.08% in the latest session to $74.75 per barrel, ending the week down $6.32, or 7.80%, from $81.07 at the start of the week.
Good Afternoon Dinar Recaps,
GLOBAL DEBT RESET WATCH: BOND YIELDS HIT MULTI-DECADE HIGHS AS BORROWING COSTS RISE WORLDWIDE
Rising government bond yields across major economies are increasing the cost of financing public debt, mortgages and business investment while testing the resilience of financial markets.
Weekly RV Update, Iraq, Maliki, Judy Shelton, US Notes, What’s Really Happening
Jon Dowling and Chris Real World: 10-2-2026
As we enter a new fiscal year and navigate the complexities of the first quarter, the global financial landscape is experiencing profound shifts.
Geopolitical dynamics and evolving monetary policies are converging to reshape how we view currency, sovereignty, and wealth preservation.
From the shifting layout of global gold reserves to the ongoing repositioning of the US dollar in international trade, investors and economic observers are closely watching these developments.
Ariel: Your New Financial System Making it’s Debut
10-3-2026
Tokenization & Monetization: Your New Financial System Making It’s Debut
The Great Tokenization — End of Fiat Debt Slavery, Gold’s Return, and the Iraqi Fulcrum
Tokenization ends the shell game. A token is a bearer instrument on a distributed ledger. When gold is tokenized one token, one gram of audited bullion in a vault ownership settles in seconds, peer to peer, without a clearing house, without a custodian’s permission, without a bank’s business hours, without SWIFT, without a correspondent banking chain that takes 3-5 days and skims at every hop.
GP Q: Iraq Update as of 2nd October 2026
IRAQ
Iraq’s banking cleanup is not a rumor.
The Central Bank is running it in public.
Governor Nizar Nasser Hussein has said: the reform program is still underway, coordinated with Oliver Wyman and aimed at a more competitive sector that is open to the international financial system.
Good Morning Dinar Recaps,
BANKING RESET WATCH: COMMUNITY BANKS CHALLENGE CRYPTO FIRMS’ PATH INTO THE BANKING SYSTEM
Community banks are challenging federal regulators over national trust bank charters for cryptocurrency firms, raising important questions about competition, consumer protections, and the future structure of digital finance.
Canada's Plan To Balance The Budget: Change The Definition Of ‘Spending’
Notes From the Field By James Hickman (Simon Black / Sovereign Man) October 2, 2026
It was a big week for creative problem-solving. Britain fixed a failed government energy company by starting a second, Canada is balancing its budget by renaming the spending, and Boston paid $335,000 to call itself racist and failed. Here are a few of the most absurd stories in case you missed them.
KTFA
Friday Night Video
FRANK26…10-2-26….BANK SHOT
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#
GP Q: Stablecoin Watch, Dollar Rails, Not a Reset
10-2-2026
STABLECOIN WATCH:
DOLLAR RAILS, NOT A RESET: TREASURY OPENS THE STATE GATE FOR PAYMENT STABLECOINS
What landed:
Treasury, acting for the Stablecoin Certification Review Committee, put interim forms and review procedures into force on 30 September 2026. States can use them to certify that their own payment-stablecoin rules are “substantially similar” to the federal standard under section 4(c) of the GENIUS Act.
America Is Quietly Building a New Gold & Silver System | Jason Cozens
Miles Franklin Media: 10-1-2026
Andy Schectman, Founder & CEO of Miles Franklin, speaks with Jason Cozens, Founder & CEO of Glint, about the accelerating push to make gold and silver usable as money across the United States.
Cozens says six states have already passed related laws, with another 14 actively working on legislation, as concerns grow around U.S. debt, inflation and the resilience of the financial system.
Bruce’s Big Call Dinar Intel Thursday Night 10-1-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome, everyone, to the big call, Thursday, October 1, and you are here with Sue and Bob because Bruce is out at a very special event, and we're honoring and celebrating the fact that he gets to cut out and do something that he's very excited about. And so we're going to pitch in, and we're pitch hitters, right, Bob? We're pitch hitters for Bruce, and we're going to. Yeah, exactly, exactly. But we're gonna guarantee you a very powerful call.
All right, everybody. The big moment. I wish I had a clanging bell right now. We miss you, Bruce. We miss you, but I'll do my best to deliver our pretty cool intel. So here we go.
Gold and the Fed, Judy Shelton Appointment in Treasury, Six Banks
And We Know: 10-4-2026
The modern financial landscape is undergoing a massive transformation, driven by technological innovation and shifting economic philosophies. As traditional banking systems evolve, individuals and investors are being forced to reevaluate how money works, how transactions are processed, and what the future holds for personal financial autonomy.
Recent discussions from prominent financial commentators highlight a growing tension between centralized digital currency initiatives and timeless principles of sound money, offering a fascinating glimpse into the crossroads where technology meets liberty.