Ask the RIGHT Questions

Everyone seems focused on getting the right answers. I have to say that this is backwards. In order to get an answer, first you must ask a question. In order to get the RIGHT answers you first have to ask the RIGHT questions.

The answers that most people are looking for cover things such as paying for a child’s college education, paying off debt, and saving for retirement. The questions that most people ask are on a macro / large scale level, when they should be on micro / low scale level.

The big questions of: “how can I get a better return on my investments?”, “how can I get a better rate on my credit card?”, and “how much do I need to have saved for my retirement?” are great questions, they need to follow the small questions.

Small questions of “where is my money going?”, “do I really want to spend money on this?”, and “what are all these charges on my bills?” are the ones that lay the foundation for financial security.

In order to get control of your dollars, you need to know what is going on with your pennies. Taking a few extra moments to go through your statements and bills usually finds money that you were unknowingly bleeding. Asking the question of “do I really want this?” before you spend any money drastically cuts down on impulse purchases. Being fully aware of your goals on a daily basis helps you make decisions that get you closer to realizing them rather than closer to debt and poverty.

So take a moment to start asking yourself the RIGHT questions and you will get all the right answers.

“A wise man can learn more from a foolish question than a fool can learn from a wise answer.”
Bruce Lee

Tammy Johnston

Tammy started working in the Financial Services Industry in 1993. The first 9 years of her career were spent working in regional offices, for independent agents, and as Brokerage Manager for two different MGAs. Her focus was on training other agents and helping them solve problems for clients. After spending close to a decade as an employee Tammy decided to venture into the “sales world”. Determined to be more than just another insurance salesman, Tammy founded The Financial Guides. She set about working with clients in a totally different fashion. Feeling that everyone needs a sound financial education she created her first class “Financial Journeys”. The goal was to provide the accurate, unbiased, basic information in simple English that we all require, but can’t easily find. Knowing that the best way to learn is by having fun and being comfortable, Tammy takes good care of her guests with excellent food and lots of laughter. Further expanding her educational and value added offerings Tammy created “Sandwich Safaris”, “Business Builder Nights”, “Small Business Class”, and "FInancial Journeys Summer Camp". Putting time and care into helping with the necessary tasks required to run a successful financial household Tammy works with clients to set up budgets that actually work, reviews credit and debt to make sure it is working for the client and not just against, and makes sure all the pieces of the puzzle fit together properly. Knowing that all financial aspects affect one another she looks at the whole picture. Honestly tells you what is working, what could be improved, and what is missing. Tammy’s clients understand what they are doing, why they are doing it, and have hope for the future. The newest project by The Finanical Guides is our Childrens' Financial Book Series. To check out the books please go to