What are the two things that never lie? Your checkbook and your calendar.

Every time we make a choice about how we spend our time and money we are making choices that reflect something about what we value.

We all have a finite set of resources. We only have so much money, and we only have so much time. Making tough and often emotional choices lies at the heart of planning for a secure financial future.

One of the biggest mistakes we make as we approach planning for the future is failing to realize how often we make decisions that do not match what we say is really important to us.

We often say that time with family is the most important thing, but does the way we spend our time reflect that? Does the way we spend or save money reflect what we say we value?

I heard somewhere that the average American family spends more time planning a trip to Disneyworld than they spend thinking about and planning for their financial future. From experience, I’m not sure that’s far off.

So one of the very best things we can do to make a difference in our financial lives is simply to think about it, and then be radically self-aware about what our calendars and checkbooks say about our priorities.

If we don’t like what we see, we can slowly start to make changes, and hopefully repeating that process will give us a great chance at ending up at the right place.

Call a financial planner and start working on that process. Get a check up to see if you are going where you want to go.

Allen Freeman, CFP provides financial planning to retirees and widows. www.allen freemanfinancialplanner.com