Capstone Investments – March 4, 2026
By Bryce Pease CFP® Accredited Investment Fiduciary® Casey Morris CFP® Capstone Pacific Investment Strategies, Inc. California, Colorado, Nebraska
We spoke last time about the importance of savings. To continue, start thinking strategically about the items on your bucket list. Determine now which ones are the most important to you. Next, estimate how much each is likely to cost, either as a one-time payment or an ongoing concern. Then, ask yourself how much you have already saved up for each goal and how much you still need.
One smart tip is to pen a different savings account for the most important goals. While the bulk of your “retirement savings” will of course stay in your 401(k) or IRA, by putting a little seed money into smaller, individual pots for specific goals, you will become more likely to actually accomplish that goal.
Because you’ve planned for it. Prioritized it. Saved for it.
The idea is to become more purposeful, organized, and strategic with your saving. By allocating your savings towards specific goals in addition to your overall retirement, the more your retirement will actually be everything you’ve dreamed it will be.
Saving can mean two things: Setting aside money so start thinking strategically about the items on your bucket list. Determine now which ones are the most important to you. Next, estimate how much each is likely to cost, either as a one-time payment or an ongoing concern. Then, ask yourself how much you have already saved up for each goal and how much you still need.
One smart tip is to pen a different savings account for the most important goals. While the bulk of your “retirement savings” will of course stay in your 401(k) or IRA, by putting a little seed money into smaller, individual pots for specific goals, you will become more likely to actually accomplish that goal.
Because you’ve planned for it. Prioritized it. Saved for it.
The idea is to become more purposeful, organized, and strategic with your saving. By allocating your savings towards specific goals in addition to your overall retirement, the more your retirement will actually be everything you’ve dreamed it will be.
Saving can mean two things: Setting aside money for the future and preventing money from slipping out of your possession and into someone else’s. More on this in our next article. In the meantime do you know where the PIGGY BANK originated from? There has been much debate on its origins but one theory is that it comes from an orange clay called “pygg” – pronounced “pug” – that was commonly used to make pots and plates in the 15th century. At the time, people would place their coins inside those pots. As the English language evolved, the pronunciation of “pygg” changed from a “pug” to the “pig” sound. Potters would shape their “pygg” jars into the shapes of pigs to humor customers with a play on words. Over time it morphed into the “piggy bank” that we have today.
Casey and Bryce