What’s In Your Financial Closet? A Gentle Invitation to Take Inventory

Have you ever opened your closet and thought, “Why do I even still have this?”
A jacket from a job you left five years ago. A pair of shoes that never quite fit. A box of old receipts, photos, or letters you’re not ready to part with. Closets are time capsules—silent holders of our past decisions, memories, and identities.

Our financial lives? They’re no different.

Welcome to your financial closet—a space filled with investments you opened a decade ago, insurance policies you barely remember applying for, tax documents gathering dust, and maybe even an old 401(k) from your first job. Alongside all those technical items live the less tangible—but no less important—things: beliefs about money, inherited financial habits, unspoken fears, quiet resentments, and long-held dreams.

If this sounds familiar, you’re not alone.

Why You Need to Look Inside Your Financial Closet

At Healthy Love & Money, we work with intelligent, high-earning couples who are ready to build a meaningful financial life together. But smart doesn’t mean sorted—and when we begin working together, many couples admit that they’ve never taken the time to really inventory their financial lives.

It’s not that they’re lazy or careless. It’s that life is busy, and money can be… complicated.

So we invite our clients to pause and look inside their financial closet. To pull it all out—literally and metaphorically—and lay it on the bed. Investments, bank accounts, wills, trusts, insurance, tax strategies. But also: the guilt about not saving enough. The tension around student loans. The fear of talking to their partner about spending. The shame about credit card debt. The confusion about what they’re supposed to be doing.

Only when it’s all out in the open can we begin to ask the important questions:

• Does this still fit our lives?

• Why did we hold onto this?

• What needs to be updated?

• What do we need more of—or less of?

• What are we truly working toward?

Financial Planning is More Than Strategy—It’s Story

We believe every financial item has a story. That universal life insurance policy your dad told you to buy. The brokerage account your grandmother opened in your name. The Roth IRA you forgot you had. These aren’t just “accounts”—they’re artifacts of past decisions, relationships, and identities.

Our job is not to tell you what to throw out or what to keep. It’s to help you see what’s there—and to support you in making informed, aligned choices about your financial future.

When clients feel respected, heard, and encouraged—not pressured—they make excellent decisions. Decisions that feel right for them, not just their advisor. And that’s the kind of autonomy and trust that real financial partnership is built on.

It’s Okay If Your Closet is a Little Messy

Let’s be honest: nobody’s financial closet is perfectly organized. We all accumulate things. We forget what we have. We hang on to things we don’t need anymore. What matters is the courage to open the door, take a breath, and start sorting through it—bit by bit.

This is what healthy financial planning looks like: not rushed, not shame-based, not one-size-fits-all. Just a clear, curious look at where you are so you can decide where you want to go.

Ready to Open Your Financial Closet?

If you and your partner are ready to take a thoughtful look at your financial life—without shame or pressure—we’d be honored to walk that journey with you.

🧠💬 Book a free 30-minute consultation to learn how Therapy-Informed Financial Planning™ can help you take stock, sort through, and start fresh.
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