The Wealth Conundrum |

The Wealth Conundrum

Danielle Howard
Staff Photo |

Do you have a wealth conundrum? Should you have one? We are easily swayed, and deeply influenced by our culture into believing that wealth is singly a financial component, that more is better, and this is just the way it is. Are you ready to challenge this mindset and look beyond this putative, perceived truth?

Consider other embodiments of wealth that we may recognize, but do not seem as weighty on the scale. At our doorstep, we have a wealth of outdoor opportunities. Wealth may be relational — meaningful connections with family and friends. Wealth may be seen associated to our physical health and our mental capacities for being creative and resourceful. Wealth can be found in the blessing of sharing our time, talent and treasures with others. Wealth can be the peace found in contemplating a sunset or pursuing the opportunity to change the world. What does true “wealth” mean to you?

While there is nothing wrong with financial wealth, we can ascertain that it is relative. By worldly standards, the majority of us in the Roaring Fork Valley have change in our pockets, food in our pantries and incomes exceeding $24,000 a year, putting us in the top 2 percent of the world’s wealth. Check out where you sit at

Why do we spend so much of our time and energy focused on what we don’t have instead of being appreciative for the abundance of everything within our grasp? Why doesn’t having or seeking a larger net worth and more stuff alone satiate our souls?

Part of the answer is found in a question. Am I in charge of my money, or is it in charge of me? Consider the following:

• Did I pick my career based on how much it paid?

• Has more money been the goal in my life?

• Have I shunned money because I perceive it as “bad”?

• Do I fear being taken advantage of financially?

• Do I react to requests for money with indignation or anger?

• Have I bought something I don’t need just because it is on sale?

• Have I bought things just because they were expensive, or had a designer label?

• Have I eaten more food, or drank more wine when someone else is paying for it?

• Do financial conversations cause me consternation?

I have answered yes to many of these at various times in my life, and I am sure you have, too. This is the quandary. How do we move towards healthy relationships with money that will enable us to build and sustain true personal wealth in our lives? It is a lifelong process, and I am committed to help. Money should enhance your life journey, not dictate it.

My path with finances has been more entrenched than most. In addition to everyday financial dealings, I have been immersed in the professional financial world in a variety of capacities for the past 35 years. From support to professionals, to business owner, to financial sales, to financial ministry training, obtaining a Certified Financial Planner practitioner designation and immersing myself in the fields of financial life planning and behavioral finance, it is my calling to serve in this area. It is with gratitude to those who have shaped my journey — family, friends, mentors and clients; that I humbly and faithfully hang up my new “shingle” as Wealth by Design LLC. I look forward to taking a personal interest in your financial well-being and facilitating your growth as you dig into your wealth conundrum.

Danielle Howard is a Certified Financial Planner ™ practitioner. Wealth by Design, LLC is located at 23300 Two Rivers Road in Basalt. Visit or contact her at 927-3909 or e-mail Advisory Services offered through Lighthouse Financial, LLC., A Registered Investment Advisor. Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Cambridge and WBD, LLC are not affiliated.

Support Local Journalism

Support Local Journalism

Readers around Glenwood Springs and Garfield County make the Post Independent’s work possible. Your financial contribution supports our efforts to deliver quality, locally relevant journalism.

Now more than ever, your support is critical to help us keep our community informed about the evolving coronavirus pandemic and the impact it is having locally. Every contribution, however large or small, will make a difference.

Each donation will be used exclusively for the development and creation of increased news coverage.


Start a dialogue, stay on topic and be civil.
If you don't follow the rules, your comment may be deleted.

User Legend: iconModerator iconTrusted User