https://forgedovertime.com/ Plain-language money and care planning for families. A new episode each week. en-us Thu, 15 Oct 2026 09:02:00 -0400 https://forgedovertime.com/series-2-episode-2-the-whole-picturehttps://forgedovertime.com/series-2-episode-2-the-whole-pictureThu, 15 Oct 2026 09:02:00 -0400Nora and Sam put every number on one page, then read it honestly, including how close to the edge they really live. https://forgedovertime.com/series-2-episode-1-everyone-has-their-reasonshttps://forgedovertime.com/series-2-episode-1-everyone-has-their-reasonsThu, 08 Oct 2026 09:01:00 -0400If you already know what to do with money, why is it so hard to do it? Series 2 starts with the history that gets in the way. https://forgedovertime.com/episode-12-every-family-can-do-thishttps://forgedovertime.com/episode-12-every-family-can-do-thisFri, 25 Sep 2026 09:12:00 -0400The One-Family Office, run in the hardest house: a family planning for a child with lifelong needs. https://forgedovertime.com/episode-11-the-one-family-officehttps://forgedovertime.com/episode-11-the-one-family-officeFri, 25 Sep 2026 09:11:00 -0400How to build your own family office: four areas of responsibility, one decision loop, and a deliberate order. https://forgedovertime.com/episode-10-the-family-office-mindsethttps://forgedovertime.com/episode-10-the-family-office-mindsetFri, 25 Sep 2026 09:10:00 -0400What a family office actually does — and why every one of its four jobs already exists in your household. https://forgedovertime.com/episode-9-why-smart-people-make-bad-financial-decisionshttps://forgedovertime.com/episode-9-why-smart-people-make-bad-financial-decisionsMon, 20 Jul 2026 09:09:00 -0400Market downturns test even careful investors. A simple rule, written down ahead of time, can help your family avoid a costly decision made in a hard moment. https://forgedovertime.com/episode-8-the-quiet-leakshttps://forgedovertime.com/episode-8-the-quiet-leaksMon, 13 Jul 2026 09:08:00 -0400Some of the biggest costs never arrive as a bill. This episode looks at the small, quiet leaks that add up, and how to spot them. https://forgedovertime.com/episode-7-ten-secondshttps://forgedovertime.com/episode-7-ten-secondsTue, 07 Jul 2026 09:07:00 -0400What happens in those ten seconds at the register, and how easy credit can turn small purchases into lasting debt. https://forgedovertime.com/episode-6-tomorrows-money-yesterdays-decisionshttps://forgedovertime.com/episode-6-tomorrows-money-yesterdays-decisionsMon, 29 Jun 2026 09:06:00 -0400Episode 6 highlights the true cost of carrying debt and the importance of understanding the system. https://forgedovertime.com/episode-5-the-best-time-was-yesterday-the-second-best-time-is-todayhttps://forgedovertime.com/episode-5-the-best-time-was-yesterday-the-second-best-time-is-todayMon, 22 Jun 2026 09:05:00 -0400Episode 5 explains why starting now matters, how compounding rewards disciplined systems, and why families need a long-term planning mindset. https://forgedovertime.com/episode-4-how-the-system-trains-you-to-think-short-termhttps://forgedovertime.com/episode-4-how-the-system-trains-you-to-think-short-termMon, 15 Jun 2026 09:04:00 -0400Episode 4 shows how benefits, 401(k)s, HSAs, ESPPs, and workplace systems train families to think short-term instead of building long-term plans. https://forgedovertime.com/episode-3-why-money-feels-harder-than-it-actually-ishttps://forgedovertime.com/episode-3-why-money-feels-harder-than-it-actually-isMon, 08 Jun 2026 09:03:00 -0400Episode 3 explains why money feels harder than it should, from confusing financial language to benefits, waivers, ABLE accounts, and trusts. https://forgedovertime.com/episode-2-what-the-silence-about-money-actually-costshttps://forgedovertime.com/episode-2-what-the-silence-about-money-actually-costsMon, 01 Jun 2026 09:02:00 -0400Episode 2 shows how silence around money creates shame, confusion, and hidden costs even in disciplined families trying to make responsible decisions. https://forgedovertime.com/episode-1-why-most-families-struggle-with-moneyhttps://forgedovertime.com/episode-1-why-most-families-struggle-with-moneyMon, 01 Jun 2026 09:01:00 -0400Episode 1 explains why many families struggle with money after growing up without clear financial education, and how early patterns shape adult decisions.