After nearly 10 years as a financial planner, the first 2 questions I ask every client have nothing to do with money

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After nearly 10 years as a financial planner, the first 2 questions I ask every client have nothing to do with money
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The answers tell me more than a pile of bank statements ever could

Lauren Lyons Cole is a financial planner in New York City

She finds the answers to those questions give her insight about how client spends and saves, and how to craft a strategy to help them get what they want.When I start working with a new client, I need to know everything — and I mean everything — about their finances. From monthly expenses to account balances to credit card interest rates, no detail is too small.

But, truth be told, I have an ulterior motive for asking this question. What you buy at Starbucks reveals something to me about how you spend your money.

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