01 / RECOGNIZESee the habits.
Pause long enough to notice where your money goes... and why Present You keeps making the same choices.
Smart people. Stupid money habits.
Money is serious.Learning about it doesn't have to be.
You work hard for your money. It’s time to take a closer look at why you feel broke.
A candid, humorous take on personal finance from Lori Bean, a financial advisor with more than 30 years of experience.
A little tough love with a touch of humor for your financial life.
Humor ✳ Perspective ✳ Practical money conversations
The book
A little laughter.
A lot to think about.
Stupid Sh*t People Do to Stay Broke brings humor, personal stories, and practical advice to the everyday choices that shape our financial lives.
Money can give you freedom, security, and choices. This book invites you to look at your habits with fresh eyes, no shame, and a sense of humor.
Find Lori and the book on Goodreads ↗01 / RECOGNIZE
02 / RECONSIDERRethink your choices.
Bring a little curiosity to the financial decisions that have become second nature. Is it habit, misinformation or fear that drive your decisions?
03 / REFOCUSFocus on Future You.
Connect today’s decisions with the freedom and choices you want tomorrow. Don't let Present You sabotage the dreams of Future You.
Free discussion guide
Good company.
Better money conversations.
Reading with your book group or investment club? Keep the conversation going.
Explore the habits, excuses, and choices that shape your financial life with questions and activities inspired by Stupid Sh*t People Do to Stay Broke. Bring your book, a pen, and a sense of humor.
Download the Guide ↓Free PDF · 5 printable pages · No signup required
A little laughter.
A lot to talk about.
- A simple 60-minute meeting plan
- Eight book-group questions with chapter references
- Six questions for investment clubs
- Three fictional scenarios to explore together
- A Present You / Future You reflection worksheet
Free worksheets
A little clarity.
A place to start.
Get to know your money and what you want it to do for you. Choose a worksheet, print it out, and take it one step at a time.
Five separate downloads. Free to use. No signup required.
Who I Want to Be
Reflect on what matters to you, the habits you want to change, and the life you want to build.
2 pages · PDFDownload PDF ↓
Where Does My Money Go?
Compare what you think you spend, what you actually spend, and what you want to spend.
5 pages · PDFDownload PDF ↓
Who Do I Owe Money?
List your debts, balances, interest rates, and payments. Take a closer look at how you got here.
2 pages · PDFDownload PDF ↓
What Do I Have?
Bring your non-retirement assets, belongings, and retirement accounts into one clear inventory.
2 pages · PDFDownload PDF ↓
What If Something Happens?
Review workplace benefits, insurance coverage, and a basic estate planning checklist.
2 pages · PDFDownload PDF ↓
Meet the author
Financial advisor.
Math geek.
Truth teller.
LORI BEAN, CFP®, ChFC®, MSFS
Lori grew up in rural Ohio, in the Appalachian foothills, where she learned how to make the most of what you have. With encouragement from her teachers, she attended Cornell University and saw both the benefits and trappings of wealth.
While considering graduate school, Lori answered a classified ad to become a financial advisor. She had loved her college economics and accounting classes and figured, at the very least, she might learn something useful about her own money.
After just a week of shadowing a colleague, she realized she had found her calling. She fell in love with helping people change the trajectory of their lives and has spent the last three decades helping people make sense of their money.
Along the way, she discovered that humor helped people feel more comfortable—especially when talking about the serious subjects they would rather avoid.
Her perspective is simple: money is nothing more than a means to living your best life. It gives you freedom, security and choices. It is NOT a guarantee of happiness.
“Future You is counting on Present You!”
Today, Lori lives in Las Vegas with her husband, Shane, a high school history teacher and coach who is looking forward to retirement, and their dogs, Roxy and Jake. Their two grown children still love them despite never receiving allowances.
She also considers herself officially $4 coffee rich.
Speaking & media
Let’s make money
a conversation.
Looking for a guest or speaker who can talk about money without making it feel like homework or putting your audience to sleep? Lori welcomes the chance to join your podcast, book club, or event for an honest conversation about why we do what we do with our money, promising a few laughs along the way.
She brings more than 30 years of financial advising experience, a passion for education and a sense of humor to every speaking engagement. She has presented to a variety of groups and organizations including rocket scientists, teachers, women's organizations and a very inquisitive group of 5th graders.
Conversation starters
- Why smart people make frustrating money choices
- What financial freedom means beyond a number
- The everyday habits that shape Future You
- Making personal finance easier to talk about
Ideas for interviews, book discussions, and event conversations.
Lori’s Spotify playlist
Money talks.
Music plays.
A little music to go with the money conversation. Press play on Lori’s playlist.
Open in Spotify ↗Your next chapter
Give Future You
something to smile about.
Start with a book. Have a laugh. Take a fresh look at the choices that matter.
Explore the book on Amazon ↗