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I heard the 1999 hit “Wear Sunscreen” by Baz Luhrmann on Radio 2 recently. I had forgotten how cheesy and yet how poignant it was. When searching for the lyrics on Google, I was surprised to discover that he hadn’t actually witten them and they were in fact written by Mary Schmich, a columnist for the Chicago Tribune. Within two months of Mary writing the column in June 1997,which she described as being the commencement speech she would give to the class of ’97 if she were asked to give one, it had gone viral by e-mail (remember those days!)

I was struck by the resemblance that some of the lyrics had to some of the conversations we have with our clients at FMB. We’re in our 29th year and over that time, we’ve shared the experiences of our clients through the good and the bad, the mundane and the unexpected.

“The real troubles in your life are apt to be things that never crossed your worried mind, the kind that blindsides you at 4 p.m. on some idle Tuesday.”

Loss and sadness are an inevitable part of life, but what we do know is when that idle Tuesday comes, you really don’t want to be worrying about money. We’ve helped our clients through those difficult times, and that is when people understand the true worth of a personal service, not a website.

“Do one thing every day that scares you.”

We really encourage clients to think about making their money work for them; we try to find out what motivates them and how their money can help them achieve their dreams and goals. Money is only a means to an end, so use it to do something that scares you!

“Don't expect anyone else to support you. Maybe you have a trust fund. Maybe you'll have a wealthy spouse. But you never know when either one might run out.”

Marital disharmony, another fact of life. It’s not that surprising that money arguments are one of the top causes of divorce. It’s important to have trust, and a financial planner can help bring issues out in the open in a calm, neutral way. As for relying on a wealthy spouse or trust fund, that comes with its own set of problems too!

“Keep your old love letters. Throw away your old bank statements.”

Very sound advice, we’ll worry about the money stuff for you!

But most of all, don’t forget to wear sunscreen!

Click here to view Mary's original column post.

Click here to watch Baz Luhrmann's video on YouTube.

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