profile

Chris Brindle

I'm a Financial Planner and Investment Advisor for Sales Reps. I create financial content to help people live a better life without the stress that comes with variable income.

almost made a huge mistake

A routine check-in caught what tax season would have missed. INTENTIONAL FINANCE The $20,000 Write-Off That Almost Vanished A scheduled RSU vest almost cost my client the tax loss she was counting on. Read time: 3 min Quick note before we get into this one: there's an idea related to what I'm about to walk through, and I mention it at the end. Curious what you think, I'll ask once you get there. A client of mine at Nike was about to sell $20,000 worth of company stock at a loss. On its own,...

sellers need to know this

57,000 jobs added. 113,000 expected. Here's what it means for your Q3 pipeline. INTENTIONAL FINANCE What the Jobs Report Means for Sellers 57,000 jobs added. 113,000 expected. The gap matters more than the headline. Read time: 3 min 57,000 jobs added in June. The forecast was 113,000. That miss is only part of the story. The government revised April and May down by a combined 74,000 positions, which means the labor market added 131,000 fewer jobs over the last three months than originally...

4.5x'd his ote

A sales rep posted his $718,000 paystub on Reddit. No one in his life would understand it. INTENTIONAL FINANCE Nobody in His Life Would Understand What a $718,000 year actually costs without a plan Read time: 2 min A sales rep posted his paystub on Reddit last month. $718,080.87. $638,497.61 of it commissions. He titled it: "4.5x'd my OTE." His first comment: "Just hype and no one really to share it with." That last part is the thing. When you hit a number like this, something happens that...

best reps do this

The reps who come out ahead in negotiations are the ones who can genuinely say no. INTENTIONAL FINANCE It has a job Your emergency fund isn't sitting there doing nothing Read time: 2 min Most sales reps I talk to feel a low-grade discomfort about money sitting in savings. "It's just doing nothing." The instinct makes sense. You're aggressive with money. You want it working. But that framing assumes the only way money works is by appreciating. Your emergency fund is working. It's buying you...

how much?

Three months is the floor. Where you land from there depends on your situation. INTENTIONAL FINANCE Six months of what, exactly? How to actually calculate your number when your income isn't predictable Read time: 3 min "3-6 months of expenses." That's the advice. It's vague on purpose -- because the right number depends on your situation. Three months is the floor. Non-negotiable. But for most sales reps, three months is just the starting point. From there, the number goes up based on your...

you messed up

The month his income and the market both dropped at the same time. INTENTIONAL FINANCE Your emergency fund is not an investment Why the "S&P always goes up" logic fails specifically for sales reps Read time: 2 min March 2020. The market dropped 34% in 33 days. That's the number everyone remembers. Here's the one nobody talks about: companies were announcing layoffs the same week. Tech, SaaS, enterprise sales teams -- pipelines froze, deals pushed to "next quarter," and the people getting let...

dream job

The people who earn the most for the longest all share one habit. Two roles worth knowing about. INTENTIONAL FINANCE Always be in market Why the highest earners never fully close the door on what's next Read time: 2 min The people I work with who earn the most, for the longest, all have something in common. They're not unhappy where they are. They're not sending resumes. But they're always open to the right conversation. They know the landscape shifts. New companies emerge with real...

for you

Are you as busy as my clients are? They're all focused on pipeline. Quota, commission, close rate. For them, their finances take a back seat while they're crushing their OTE. Sales reps who earn well end up with the same problem... good income, no system. Commission hits the account, life moves fast, and six months pass before anyone looks at what happened to it. That's the gap I fill. The plan runs in the background. You don't have to think about it. The money moves the way it's supposed to....

it's not 1949

Graham's rules were written for factories. Your portfolio isn't in a factory. INTENTIONAL FINANCE The investing rules from 1949 don't apply here SpaceX is going public at 93x revenue and no earnings. What that actually means for how you invest. Read time: 3 min SpaceX is going public at a 93x revenue multiple. No P/E ratio. Negative earnings. And there is no shortage of buyers. Benjamin Graham is rolling in his grave. Graham wrote The Intelligent Investor in 1949. The framework made sense for...

what am i missing

You don't have to be the only one looking at it. INTENTIONAL FINANCE "I just want to know what I'm missing." + why you don't have to be the only one looking at it Read time: 2 min I talk to a minimum of 10 sales reps every week. Every single conversation sounds some version of the same. "I want to know what I'm missing." "I feel like I'm behind." "I know I should be doing more -- I just don't know what." Most of them are doing fine. The basics are covered. Saving, investing, probably have a...

I'm a Financial Planner and Investment Advisor for Sales Reps. I create financial content to help people live a better life without the stress that comes with variable income.