Sharing a recent call where we talked in depth about a CLA concept that applies to every client interaction.

Beyond Wealth, an anthology of essays, explores the meaning of a rich life beyond material wealth. The book integrates wisdom from various sources, including philosophical and religious texts and figures, to discuss topics such as financial well-being, mindful living, the importance of relationships, and the pursuit of a fulfilling life. The author shares personal anecdotes and insights, drawing parallels between financial success and spiritual growth. The essays also cover diverse themes, ranging from the nature of work and the impact of technology to the value of art, music, and travel, encouraging self-reflection and a conscious approach to life. Finally, the book touches on mortality, legacy, and the importance of cherishing relationships.

"Borrow" is a historical analysis of American debt, exploring its evolution from a stigmatized practice to a ubiquitous aspect of daily life. The text traces the changing attitudes toward borrowing, examining its role in various economic eras, including the post-war boom and the 2008 financial crisis. It details the development of different financial instruments, such as balloon mortgages and mortgage-backed securities, and their impact on both borrowers and lenders. The author also discusses the role of government policies, such as the creation of the FHA, in shaping the American debt landscape and the consequences of both responsible and irresponsible borrowing. Finally, the book proposes solutions to address the issues stemming from excessive consumer debt.