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/
Reset Intelligence: Will the Dinar Strengthen or Collapse?
8-25-2026
Will the Dinar Strengthen or Collapse?
By Reset Intelligence | @EXIT_FIAT
Over one weekend, Iraq moved the currency question out of the committee rooms and onto the evening news.
Iraq Finance Committee Recommends Postponing Dinar Redenomination Vote
Daban Mohammed At a Glance
The Iraqi Finance Committee officially advises delaying the vote on removing zeros from the dinar.
Replacing banknotes without deleting zeros remains under the independent authority of the Central Bank.
Redenomination requires brand-new laws to amend civil, commercial, and penal codes across Iraq.
Good Morning Dinar Recaps,
When the Treasury Is No Longer Just a Safe Haven: The Bond Market Reprices U.S. Debt Risk
The U.S. Treasury market remains the world’s most important safe-haven market—but rising long-term yields, record federal debt and growing reliance on Treasury intervention are forcing investors to reconsider how they price U.S. fiscal risk.
TNT:
Tishwash: The parliamentary legal committee submits 40 draft laws to the parliament's presidency.
The parliamentary legal committee confirmed on Monday that it had submitted about 40 draft laws to the Speaker of Parliament, while clarifying the constitutional and procedural differences between draft laws and proposals.
Committee member Thaer Al-Kaabi told the official agency, as reported by 964 Network , that “the committee has completed submitting approximately 40 draft laws to the Council Presidency to proceed with their legislation,” indicating that a number of them have been read, most notably the Lawyers Law and the Notaries Public Law, as well as the reading of the Minors Care Law, which are qualitative and important legislations targeting a wide segment of the Iraqi people.”
KTFA
Monday Night Video
FRANK26….8-24-26…..NEW RATE AND LD’S ARE THE SAME
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#
Basra Oil Service Firms Threaten To Halt Work Over Currency Losses
2026-08-24 Shafaq News- Basra Private companies working in Basra's oil sector threatened on Monday to suspend operations and lay off more workers, protesting that payments on their dollar-denominated contracts are being settled in Iraqi dinars at the official exchange rate.
The Whole World Is Stockpiling Like It's 1939
Notes From the Field ByJames Hickman (Simon Black / Sovereign Man August 24, 2026
On June 7, 1939, US President Franklin Roosevelt signed a new law authorizing $100 million (a lot of money back then) to buy rubber, tin, tungsten, etc., and put it all in storage.
The United States was still at peace at the time. World War II had not yet broken out, and global trade was still relatively seamless.
Sunday Update - Washington Supports the Dinar Plan ?
The Dinar Den: 8-23-2026
The discussion surrounding international currency markets and potential revaluations often brings significant interest from long-term observers. Among these topics, the economic restructuring of Iraq and the potential revaluation (RV) of the Iraqi Dinar stand out.
In a recent analysis shared by Stephen, host of The Dinar Den and an experienced observer of Iraqi financial trends since 2011, key updates were highlighted regarding where Iraq stands in its journey toward comprehensive monetary reform.
Rob Cunningham: Federal Reserve Bypass Operation in Effect
FEDERAL RESERVE BYPASS OPERATION IN EFFECT
Something profound just happened to the architecture of money.
The GENIUS Act is now law.
It creates a legal framework for 1:1 reserve-backed payment stablecoins and expressly directs regulators to promote interoperability with the broader digital-finance ecosystem—including public and permissioned blockchains.
Think about what this means.
Oil Drops Ahead Of Tougher US Iran Sanctions
2026-08-24 Shafaq News Oil prices slipped more than $1 a barrel on Monday as investors took profits ahead of an expected announcement from Washington about imposing more sanctions on Iran that may further disrupt supplies from the Middle East.
Brent crude futures fell $1.23, or 1.3%, to $93.16 by 0329 GMT, while U.S. West Texas Intermediate crude was at $85.7 a barrel, down $1.36, or 1.6%.
Good Afternoon Dinar Recaps,
The Iran Sanctions Test: Oil, the Dollar and the Global Financial System Enter Another Phase
Washington is escalating financial pressure on Iran just as the rial reaches another record low, putting oil flows, dollar-based sanctions and alternative international trade channels under renewed pressure.
Coffee with MarkZ, joined by Bob Lock. 08/24/2026
MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions
MZ: Meetings today, expectations this week, Hormuz, oil prices, and more with Bob Lock joining to talk trusts, and the Mushroom Ladies.
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: Al-Halbousi affirms Parliament's readiness to support financial inclusion
Speaker of Parliament Hebat al-Halbousi and First Deputy Speaker Adnan Faihan al-Dulaimi discussed, in two separate meetings, with the Governor of the Central Bank, Nizar Nasser Hussein, ways to enhance financial and monetary stability and develop the performance of the banking sector in the country.
A statement issued by the media office of the Speaker of Parliament indicated that Speaker Halbousi received the Governor of the Central Bank and his accompanying delegation to discuss monetary policy and prospects for developing the financial system.
Majeed KSA: RV Summary as of 23rd August 2026
RV summary:
– The name of the last two nominees left to fill up the cabinet, were sent to the Prime Minister’s office last night.
– US treasury squeezed Iran by the balls… the economy is so bad in Iran, Iran started crawling for any way to get money through any neighboring country especially Iraq and keep kissing Iraq’s a*s in order to get something… but the Prime Minister keep giving them the middle finger.
Iraqi Hopes For Removing Zeros From The Dinar To Combat Corruption
Baghdad Ahmed Eid The proposal to remove zeros from the Iraqi dinar has brought back to the forefront a wide debate about the reality of the project, the possibility of its implementation, and the results that it can achieve, especially with its connection to returning hoarded funds to the banking system and revealing some of the funds resulting from corruption, in addition to questions about its impact on inflation, the value of the dinar, and purchasing power.
Good Morning Dinar Recaps,
When High U.S. Yields Stop Supporting the Dollar: Debt, Treasury Policy and a New Currency Warning
The traditional relationship between higher U.S. interest rates and a stronger dollar is being tested as investors increasingly focus on the size of U.S. debt, Treasury intervention and the long-term credibility of the fiscal position.
Al-Abadi On The Anniversary Of The Founding Of Iraq: Sovereignty, Institutions, And Justice Are The Criteria Of A True State
Baghdad - One News - 8/23/2026 On the anniversary of the founding of the modern Iraqi state, Haider al-Abadi, head of the Victory Coalition, affirmed that building a state is not completed by the date of its declaration or by the passage of time since its establishment, but rather by its ability to protect its sovereignty, preserve its institutions, and achieve justice for its citizens.
MilitiaMan & Crew: IQD News: What You Need to Know Right Now
8-23-2026
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
KTFA
Sunday Night Video
FRANK26….8-23-26…. THE GREEN
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#
Majeed KSA: The Plan is the RV for August 31st
8-25-2026
This is just my guess.
RV might happen on August 31.
It would be the 107th day for the new Prime Minister in office.