Start with WhyI am cur­rent­ly lis­ten­ing to “Start with Why” by Simon Sinek. Yes, I now lis­ten to busi­ness books on tape because I am a busi­ness DORK! Any­way, he told a sto­ry about some Amer­i­can car man­u­fac­tur­ers that went to Japan to learn from their wild­ly suc­cess­ful auto­mo­bile assem­bly line. Appar­ent­ly, in Amer­i­ca, the last pieces to be installed on the car are the doors, and then there is a work­er who uses a rub­ber mal­let to make sure the door fits on the frame. In Japan, there was no final work­er with a rub­ber mal­let.

The Amer­i­can man­u­fac­tur­ers were con­fused by this. They  asked how the Japan­ese made sure the doors fit on the car if they did not use a rub­ber mal­let, and the Japan­ese man­u­fac­tur­er replied, “We designed the doors to fit the frame while we were engi­neer­ing the car”. So, this got me think­ing about design vs. force. One is active­ly engaged and pur­pose­ful, and the oth­er is reac­tive and just try­ing to “make it work”.

Then, of course, I start­ed think­ing about our ser­vices and how this applies to Mack­ey Advi­sors…..

When­ev­er I talk to friends and col­leagues around my age (31) about finan­cial plan­ners they always reply with, “I don’t have enough mon­ey for a finan­cial plan­ner yet, but when I do I’m going to call you”. My imme­di­ate reac­tion is, “NO! NO! NO! That’s a stu­pid way of think­ing!” When you are my age plus or minus 5 to 10 years a person/couple/family has the gift of time! This allows them to design their finances around their goals and dreams. When folks wait till they have enough mon­ey for a finan­cial plan­ner, what­ev­er that num­ber may be, it may be too late. Wait­ing until you have “enough” means you may have to start forc­ing your finances and sac­ri­fic­ing things you real­ly want.

Early Engineering = Better Design = More Future Success


Let’s  stop with the “I don’t have enough mon­ey yet” thing, grab the future by the cajones, and get going!


If you want to know more about the basics of finan­cial plan­ning, how to align your life goals with your sav­ings goals, and more check out Mackey’s book, The Inter­sec­tion of Joy & Mon­ey. Wan­na grab a copy for free? Just email me at