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The LifeValues Quiz was a free resource designed to reveal the underlying values that drive financial decisions. The tool made an impactful conversation starter and provided insight to help adults understand their money behaviors. It received the Practitioner Forum Award at the 2019 Association for Financial Counseling & Planning Education (AFCPE) Symposium.

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Everyone dreams of earning a ton of money. That was the case for Teez, who says he knew that one way he could earn a lot was through football. Reaching success at the early age of 21, the film states he originally earned $1.6 million. That number quickly went down after paying taxes, buying a home for his family and one for his mom, and taking various trips.

When Teez meets with coach Ro$$ Mac, he has approximately $280,000 left of his original sum. Teez doesn't have money invested for the future and is worried about the longevity and stability of his career and providing for his family.

When you make good money, it's easy to think it'll always be that way. But through Teez's story, we hear about how he made good money through football but then got released and then injured. Suddenly he had nothing coming in.

Hence, the sense of urgency with making the remaining $280,000 last as long as possible. No one likes to think about the next job loss or health scare that can drastically impact one's finances. But it's something we should all be prepared for, just in case.

Not having money coming in is a scary reality for everyone, with different degrees of difficulty. An emergency fund and disability insurance can help shore up your personal finances and ensure you're able to weather this kind of storm.

Debt is a monthly payment that can keep you in the past. But paying off debt can change your future, too. In the documentary, we meet Ariana, who identifies as an emotional spender and admits to being afraid of money.

We meet Lindsey, who is living paycheck-to-paycheck despite working 50 hours a week with two jobs. As a bartender/waitress, her wages simply don't cut it. Her food spending on takeout is also high because she's tired from working so much and being in the food industry.

When she meets with coach Paula Pant, she shares that she wants to break the paycheck-to-paycheck cycle and pursue her dreams as an artist. Paula encourages her to get some gigs together ASAP through dog-walking, and pursue her art in the long term.

For low-wage workers, self-employment is one way to break through the ceiling. We see that in Lindsey's story, and it's something I resonated with as well. I left my nonprofit job earning $31,000 per year in 2014 to be a freelance writer. In the next year, I doubled my income and was able to pay off my student loan debt thanks to having a higher income, which has grown since.

While John takes care of the children and household duties, a refreshing perspective rarely caught on screen, we see Kim earning good money through her business. She earned $70,000 just a few years ago and was on target to hit $300,000.

John and Kim took the first step by cutting their expenses by a significant amount. But they realized that with their lifestyle and desire to pursue FIRE, they needed to make more moves. As in actually moving.

Moving is expensive and not something everyone can do. But if it's possible, downsizing homes or moving to an affordable location can significantly lower costs. For this couple, that was the right step in order to get closer to FIRE and, in turn, have more flexibility with life and work.

Smart-money transactions can range from tens of millions to hundreds of millions or even billions of dollars. These investors often are able to negotiate favorable terms and access to exclusive investment opportunities due to their size and expertise."}},{"@type": "Question","name": "Who is considered smart money?","acceptedAnswer": {"@type": "Answer","text": "Institutional investors, hedge funds, private equity firms, high-net-worth individuals (HNWIs), corporate executives, and board members of large companies are all considered smart money."}},{"@type": "Question","name": "What are the characteristics of smart money?","acceptedAnswer": {"@type": "Answer","text": "Smart-money investors are often highly analytical and research-driven, using a variety of tools and resources to analyze the financial markets and identify investment opportunities. They often have a long-term investment horizon and focus on building portfolios that would generate consistent returns over time. Also, smart-money investors often have a disciplined approach to investing, with a clear investment criteria and a process for evaluating investment opportunities."}}]}]}] Investing Stocks Bonds ETFs Options and Derivatives Commodities Trading FinTech and Automated Investing Brokers Fundamental Analysis Technical Analysis Markets View All Simulator Login / Portfolio Trade Research My Games Leaderboard Banking Savings Accounts Certificates of Deposit (CDs) Money Market Accounts Checking Accounts View All Personal Finance Budgeting and Saving Personal Loans Insurance Mortgages Credit and Debt Student Loans Taxes Credit Cards Financial Literacy Retirement View All News Markets Companies Earnings CD Rates Mortgage Rates Economy Government Crypto ETFs Personal Finance View All Reviews Best Online Brokers Best Savings Rates Best CD Rates Best Life Insurance Best Personal Loans Best Mortgage Rates Best Money Market Accounts Best Auto Loan Rates Best Credit Repair Companies Best Credit Cards View All Academy Investing for Beginners Trading for Beginners Become a Day Trader Technical Analysis All Investing Courses All Trading Courses View All LiveSearchSearchPlease fill out this field.SearchSearchPlease fill out this field.InvestingInvesting Stocks Bonds ETFs Options and Derivatives Commodities Trading FinTech and Automated Investing Brokers Fundamental Analysis Technical Analysis Markets View All SimulatorSimulator Login / Portfolio Trade Research My Games Leaderboard BankingBanking Savings Accounts Certificates of Deposit (CDs) Money Market Accounts Checking Accounts View All Personal FinancePersonal Finance Budgeting and Saving Personal Loans Insurance Mortgages Credit and Debt Student Loans Taxes Credit Cards Financial Literacy Retirement View All NewsNews Markets Companies Earnings CD Rates Mortgage Rates Economy Government Crypto ETFs Personal Finance View All ReviewsReviews Best Online Brokers Best Savings Rates Best CD Rates Best Life Insurance Best Personal Loans Best Mortgage Rates Best Money Market Accounts Best Auto Loan Rates Best Credit Repair Companies Best Credit Cards View All AcademyAcademy Investing for Beginners Trading for Beginners Become a Day Trader Technical Analysis All Investing Courses All Trading Courses View All EconomyEconomy Government and Policy Monetary Policy Fiscal Policy Economics View All Financial Terms Newsletter About Us Follow Us InvestingInvesting BasicsSmart Money: What It Means in Investing and TradingByCaroline BantonFull Bio Caroline Banton has 6+ years of experience as a freelance writer of business and finance articles. She also writes biographies for Story Terrace.Learn about our editorial policiesUpdated April 11, 2023Reviewed byThomas Brock Reviewed byThomas BrockFull BioThomas J. Brock is a CFA and CPA with more than 20 years of experience in various areas including investing, insurance portfolio management, finance and accounting, personal investment and financial planning advice, and development of educational materials about life insurance and annuities.Learn about our Financial Review BoardFact checked byRyan Eichler Fact checked byRyan EichlerFull Bio Ryan Eichler holds a B.S.B.A with a concentration in Finance from Boston University. He has held positions in, and has deep experience with, expense auditing, personal finance, real estate, as well as fact checking & editing.Learn about our editorial policies Investopedia / Zoe Hansen

Smart-money investors are often highly analytical and research-driven, using a variety of tools and resources to analyze the financial markets and identify investment opportunities. They often have a long-term investment horizon and focus on building portfolios that would generate consistent returns over time. Also, smart-money investors often have a disciplined approach to investing, with a clear investment criteria and a process for evaluating investment opportunities. ff782bc1db