A Memorial Day Tribute



In honor and to remember our troops and their families, I offer you 3 different perspectives: a bystander, parents, and a child. 


Whenever I see a Soldier Boy

Whenever I see a soldier boy

No matter where it be

I give him salutation

for he means so much to me


He’s not the boy we used to know

In store, at desk or plow

He’s a defender of our faith

He’s in the service now


He keeps Old Glory flying

on land and air and sea

He lives to make our homes secure

He dies to keep us free.

by Sam Miller, 1942


Yesterday We Were Parents

Yesterday we were parents

We were called mom and dad

I sat and watched the news today

How times over there turned bad


A fear welled up inside me

A chill ran down my spine

The USS Cole was bombed

And she held a son of mine


Fear ripped through my heart

As I searched for any news

Part of me not wanting to know

Part needing to know the truth


I called up my husband

And told him what I heard

He rushed right home to hold me

Not able to say a word


We started calling the Navy

Our fate was in their hands

It was her who took him to

That Eastern foreign land


It was his call to duty

To honor, serve and protect

A call to duty so many of us

Now seem too easily neglect


We have to call back later

No answers can they provide

Don’t they realize how that response

Tears me up inside


Now there is a number

For all the “next of kin”

That phrase will forever haunt me

And make my blood run thin


…Yesterday we were mom and dad

for right now we still don’t know

if we’ll ever hear those names

or drown in heartbreak and sorrow…

by Michelle Keim

Commander of Royersford VFW Post 6341 in Pennsylvania

U.S.S. Cole




From Reveille to Taps…The Culture of an Army Child and Family”

I never live somewhere too long.

I never planted a tree and watched it grow.

I never know where I will be next week.

I never wore hi-fashion clothes.

I never became “part of the crowd.”


There are other things I’ve never done.

I never was afraid to speak freely.

I never was scared to show my religion.

I never worried about unjust laws being made.

I never left flowers at a loved one’s grave,

who died so I might be free.

I never forget how lucky I am.

by Kimberly Anne Davis, age 14, 2 November 1997


The poems were selected to share from: www.usmemorialday.org


Deborah Ann Fox, CPA is working to make a difference in peoples lives and wallets, by helping them build and protect their financial health. Her mission is to be an affordable & accessible resource to help answer money questions for individuals and small business. She can help by being your compass while you captain your ship.

Debbie offers free 30 minute no obligation consultations and is available for appointments – including remote. More information is available at http://www.debfoxfinancial.com. Questions or comments can be sent to debfoxfinancial@gmail.com 






Creating Freedom – in honor of the 4th of July

In honor of our 4th of July holiday, I searched for the word freedom and then discovered a new word. Ataraxic and, playfully, I decided it is a “condition” that I want to “suffer” from. What does it mean? One simple definition is “freedom from worry”.  Can you imagine?

Worry, is something nobody likes to do and most people want to avoid. We know that worrying is a waste of time & energy. We also know that it does not get it us anywhere, kind of like expecting to move forward when we rock in a rocking chair.

Ok, so maybe, we try not to worry, but at best, we are at least sometimes pre-occupied with thoughts that concern us. We think about our financial situation, our health, our families, friends, and of our longevity.

In case you are wondering how this might fit with my goal of providing “financial wellness” please read on and let me explain.

Living longer gives us more of an opportunity to enjoy life. It also creates more of a financial risk. Will our money last as long as we do?

Regardless of our age, thinking about this is important. Planning and preparing is imperative. In fact, those that are younger, have the greatest opportunity to plan and prepare. Those that are a bit older are more limited, and yet would still benefit from reviewing the following:

Benchmark how much money you need when you “retire”:

  • How much do you need to live each year?
  • Generally, it is not safe to assume you will just spend less; i.e. health care costs can increase as we age and you may travel more

How are you going to pay for it?

  • Social Security?
  • Pension or Retirement Funds?
  • Savings or Investments?
  • Working Part-Time?

How many years does your money need to last?

  • The Social Security website has a calculator that you can use to estimate your longevity

Note that woman, in particular, might want to save more money than their typical male counterparts. Why?

  •  Statistics show, that woman, on average, are paid less than a man
  • Women might leave the job market to have children and thus can earn less, over their lifetime
  •  Earning less could result in a lower Social Security benefit

Let’s suppose that you decide that you want to continue working part-time until you reach your “Full Retirement Age” or even post-pone retirement until the maximum age of 70 when you must start drawing upon your Social Security Benefit. Doing this can pay big dividends, in the form of increased monthly payments.

There is one big caveat to this plan and this, too, we can try and plan for. Generally, we must have our health to build wealth.

One of the greatest assets we have is the ability to produce an income. It has been said that our health is the new wealth. The ability to produce an income is part of our wealth.

We were all born with free will. As Americans, we have the liberty to pursuit our happiness and our freedom of choice. Planning today and saving for tomorrow creates more freedom of choice, in the long-term.

John Wayne said, “ Tomorrow hopes that we learned something from yesterday”.

I like to say, “Hope is not a good financial strategy. Plan, act, achieve and may you always have a reason to smile”.

Deb Fox is working to make a difference in peoples lives, hearts, and wallets. Although she earned her CPA in 1997, she is not currently practicing as a CPA. She does use her knowledge to help others protect their financial health and is available for side-by-side, remote, or mobile appointments.