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# Black Hills Financial Planning

Serving the Black Hills of South Dakota

## Sitemaps

- [XML Sitemap](https://blackhillsfinancialplanning.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [The Conversation Worth Having Before You Need It: Long-Term Care Planning](https://blackhillsfinancialplanning.com/long-term-care-planning/) - Long-term care is one of the biggest risks to a retirement plan. Learn what it costs, how families pay for it, and why starting early matters.
- [How Much of Your Retirement Income Should Be Guaranteed?](https://blackhillsfinancialplanning.com/guaranteed-retirement-income/) - Guaranteed retirement income covers your essential bills for life. See how Social Security, pensions, and annuities fit together in your plan.
- [Debt Elimination FAQ: Proven Solutions to Conquer Your Finances](https://blackhillsfinancialplanning.com/debt-elimination-proven-solutions-to-conquer-your-finances/) - Feeling stressed by debt? You're not alone. Incredibly, 89% of respondents to this survey reported feeling stressed and eager to learn the best strategy for debt elimination. Debt can significantly impact mental health, and with the average American holding $53,897 in personal debt, it’s no wonder that so many people are anxious about their finances. In this
- [Unlocking Financial Freedom by Mastering Debt Elimination](https://blackhillsfinancialplanning.com/unlocking-financial-freedom-by-mastering-debt-elimination/) - Unlock financial freedom with Black Hills Financial Planning. Master debt elimination and secure a prosperous future. Book a free consultation now.
- [How Financial Planning Can Help You Grow Your Wealth](https://blackhillsfinancialplanning.com/how-financial-planning-can-help-you-grow-your-wealth/) - When you're ready to compare your current planning to what our team can put in place for you, FOR FREE, reach out to BH Financial Planning today.
- [Part 5: Taking Control – Building Your Own Banking System](https://blackhillsfinancialplanning.com/part-5-taking-control-building-your-own-banking-system/) - By building your own banking system, you stop being just another customer paying endless interest to banks. Instead, you become the banker.
- [Part 2: The Rise of Central Banking and the Federal Reserve](https://blackhillsfinancialplanning.com/part-2-the-rise-of-central-banking-and-the-federal-reserve/) - Part 2 reveals how debt became centralized — reshaping not only banking, but also the way governments, businesses, and families interact with money.
- [Part 1: The Origins of Banking – From Trust to Debt](https://blackhillsfinancialplanning.com/part-1-the-origins-of-banking-from-trust-to-debt/) - The origin of money tells a fascinating story of how societies learned to manage money, how the concept of debt became embedded in economies, and why today...
- [🎄 Season’s Greetings from Black Hills Financial Planning! 🎄](https://blackhillsfinancialplanning.com/seasons-greetings-from-black-hills-financial-planning/) - As the year comes to a close, we want to take a moment to reflect on the successes of 2024 and extend our heartfelt gratitude to our clients and partners...
- [Have You Scheduled Your Annual Financial Planning Review?](https://blackhillsfinancialplanning.com/have-you-scheduled-your-annual-financial-planning-review/) - With 2025 around the corner, now is a great time to consider your goals and ambitions for 2025 with a financial planning review.
- [Why Black Hills Financial Planning? It's All About the Foundation](https://blackhillsfinancialplanning.com/why-black-hills-financial-planning-its-all-about-the-foundation/) - Have you ever wondered, "What sets Black Hills Financial Planning apart from other advisory firms?" Great question! As an education-driven firm...
- [Earned, Not Given: The Discipline Behind Financial Freedom](https://blackhillsfinancialplanning.com/earned-not-given-the-discipline-behind-financial-freedom/) - We've been sold a version of glamour that looks like the splurge — the spontaneous yes, the "treat yourself" purchase.
- [Spring Clean Your Finances - A March Checklist](https://blackhillsfinancialplanning.com/spring-clean-your-finances-a-march-checklist/) - Here is a practical spring-cleaning checklist for your financial life — from reviewing your budget and insurance policies to making...
- [Building Emergency Savings on a Single Income: A Practical Guide for Families](https://blackhillsfinancialplanning.com/building-emergency-savings-on-a-single-income-a-practical-guide-for-families/) - Whether you're a one-income household by choice or circumstance, having a financial safety net can mean the difference between weathering...
- [How Young Families Can Afford to Have a Parent Stay Home](https://blackhillsfinancialplanning.com/how-young-families-can-afford-to-have-a-parent-stay-home/) - The possibility requires being smart, budgeting carefully, and honestly weighing the risks. For many families willing to plan strategically, it's more feasible than they initially think.
- [How to Turn a Your Family Bank® Debt Elimination Plan Into a Business Write-Off](https://blackhillsfinancialplanning.com/how-to-turn-a-your-family-bank-debt-elimination-plan-into-a-business-write-off/) - Imagine eliminating your personal debt and lowering your business’s taxable income at the same time. Sounds too good to be true? Not when you combine the power of the Your Family Bank® (YFB) strategy with a clever little tool called an Executive Bonus Plan (EBP).
- [Part 4: The Hidden Cost of Usury and Compounding Interest](https://blackhillsfinancialplanning.com/part-4-the-hidden-cost-of-usury-and-compounding-interest/) - Now it’s time to look at something that quietly shapes nearly every financial decision you make: usury and compounding interest.
- [Part 3: How Money Actually Works (and Why Most Don’t Know)](https://blackhillsfinancialplanning.com/part-3-how-money-actually-works-and-why-most-dont-know/) - Banks don’t just lend money that already exists. Instead, they create money when they make a loan.
- [Trump Accounts for Newborns: A Good Start, But Not the Whole Plan](https://blackhillsfinancialplanning.com/is-the-government-really-giving-1000-to-every-baby-heres-what-you-should-know/) - Heard about the rumored "$1,000 baby bonus"? There's no official program—yet. But there are real ways to plan for your child's future.
- [Navigating Tough Times: Making Smart Financial Decisions in a Rough Economy](https://blackhillsfinancialplanning.com/navigating-tough-times-making-smart-financial-decisions-in-a-rough-economy/) - While it's easy to feel overwhelmed, now more than ever is the time to focus on smart, deliberate decisions that can help you weather the storm and build a more stable financial future.
- [Unpacking the Heart of Your Wallet: How Emotions and Beliefs Shape Financial Habits](https://blackhillsfinancialplanning.com/unpacking-the-heart-of-your-wallet-how-emotions-and-beliefs-shape-financial-habits/) - If you've ever told yourself, "I'm just not good with money," or silently judged others with the thought, "Rich people are all greedy or rude,"—you're not alone. These kinds of internal narratives are surprisingly common.
- [How Can You Earn Six Figures and Still Be in Debt?](https://blackhillsfinancialplanning.com/how-can-you-earn-six-figures-and-still-be-in-debt/) - The Sneaky Trap of Lifestyle Creep—and How to Break Free Using a Four-Pillar Financial Wellness Approach
- [The Power of Compound Interest: Why Starting Early Matters](https://blackhillsfinancialplanning.com/the-power-of-compound-interest-why-starting-early-matters/) - Compound interest is one of the most powerful tools for building wealth, but the secret to maximizing its potential is starting early. Even small, consistent investments can grow exponentially over time, thanks to the power of earning interest on interest.
- [Your Financial Future: Why Planning Now Sets You Up for Success](https://blackhillsfinancialplanning.com/your-financial-future-why-planning-now-sets-you-up-for-success/) - Life moves fast, and it’s easy to put financial planning on the back burner. But planning isn’t about restriction—it’s about possibility. It gives you the freedom to pursue what matters most.
- [Overcoming Debt and Inflation: How We Can Help You Regain Financial Freedom](https://blackhillsfinancialplanning.com/overcoming-debt-and-inflation-how-we-can-help-you-regain-financial-freedom/) - Rising costs and stagnant wages have left many struggling with debt and financial uncertainty. At Black Hills Financial Planning, we offer personalized guidance to help you manage debt, improve cash flow, and secure your family's financial future.
- [10 Healthy Meals and Snack Ideas to Fuel Your Busy Lifestyle](https://blackhillsfinancialplanning.com/10-healthy-meals-and-snack-ideas-to-fuel-your-busy-lifestyle/) - Here are 10 practical, wholesome lunch ideas that can fit into even the busiest schedule. Planning ahead could save you thousands of dollars each year!
- [6 Reasons Why Families Should Learn About Building a Family Bank](https://blackhillsfinancialplanning.com/6-reasons-why-families-should-learn-about-building-a-family-bank/) - What if there was a way for your family to create its own banking system? Enter the concept of a family bank using whole life insurance.
- [Securing Your Future: How Young Adults Can Protect Their Finances](https://blackhillsfinancialplanning.com/securing-your-future-how-young-adults-can-protect-their-finances/) - With some foresight and smart strategies, you can safeguard both your personal and financial well-being, setting yourself up for a secure future.
- [5 Things You Can Do to Protect Your Money Today (Regardless of Who Wins the Election)](https://blackhillsfinancialplanning.com/5-things-you-can-do-to-protect-your-money-today-regardless-of-who-wins-the-election/) - As election season approaches, it’s natural to feel uncertain about the future of your finances. The outcome of any election...
- [The Importance of Buy-Sell Agreements for Small Business Owners](https://blackhillsfinancialplanning.com/the-importance-of-buy-sell-agreements-for-small-business-owners/) - At Black Hills Financial Planning, we understand the complexities small business owners face, and we believe that a well-drafted buy-sell agreement...
- [Sailing Through Economic Uncertainty: Top 3 Tactics](https://blackhillsfinancialplanning.com/sailing-through-economic-uncertainty-top-3-tactics/) - Given that an important election is on the horizon and the economy is still unstable, now might be the perfect time to give more consideration to how you are planning for your and your family’s future.
- [Preparing for the Future, Taxes, and Budgets - Oh My!](https://blackhillsfinancialplanning.com/preparing-for-the-future-taxes-and-budgets-oh-my/) - Welcome to the real world, where the adventure begins! As you stand on the brink of adulthood, it's time to gear up for some of life’s biggest challenges...
- [55 Ways to Maximize Every Dollar: The Power of Financial Leverage](https://blackhillsfinancialplanning.com/55-ways-to-maximize-every-dollar-the-power-of-financial-leverage/) - In the dynamic world of personal finance, understanding and implementing the concept of financial leverage from an early age is crucial.
- [10 Ways to Regain Financial Control in 2024: Say Goodbye to Holiday Spending Stress](https://blackhillsfinancialplanning.com/10-ways-to-regain-financial-control-in-2024-say-goodbye-to-holiday-spending-stress/) - Kickstart your 'Financial Reset 2024' with strategic steps to recover from holiday spending. Our guide offers 10 essential ways to...
- [Financial Freedom for Farmers and Ranchers: The Power of Whole Life Insurance as Your 'Family Bank'](https://blackhillsfinancialplanning.com/financial-freedom-for-farms-and-ranchers-the-power-of-whole-life-insurance-as-your-family-bank/) - Utilize whole life insurance as a 'family bank' for tax-efficient, self-reliant financial freedom in farming and ranching."
- [10 Little-Known Financial Strategies to Leverage and Save Money](https://blackhillsfinancialplanning.com/10-little-known-financial-strategies-to-leverage-and-save-money/) - Welcome to the Black Hills Financial Planning blog! Today, we're exploring ten lesser-known financial strategies that can help you leverage your assets and save money. These strategies are often overlooked, yet they hold the potential to significantly impact your financial health. 10 Little-Known Financial Strategies 1. Debt Snowball Method The Debt Snowball Method involves paying
- [Understanding the Reverse Market Crash: Navigating Financial Turbulence](https://blackhillsfinancialplanning.com/understanding-the-reverse-market-crash-navigating-financial-turbulence/) - The term "market crash" typically conjures images of plummeting stock prices, financial panic, and economic downturns. However, there is another side of the coin that is less talked about but equally perilous: the reverse market crash. Black Hills Financial Planning is committed to educating and empowering our clients, providing them with the insights needed to
- [Building Financial Harmony: 15 Strategies for Couples to Budget and Spend Wisely Together](https://blackhillsfinancialplanning.com/building-financial-harmony-15-strategies-for-couples-to-budget-and-spend-wisely-together/) - In this article, we will explore 15 recommendations on how couples can work together to budget and spend more wisely, fostering not...
- [BOLI vs. Whole Life Insurance: Banking on a Profitable Future](https://blackhillsfinancialplanning.com/boli-vs-whole-life-insurance-banking-on-a-profitable-future/) - By understanding the mechanisms of BOLI, consumers can mimic the banks and potentially profit handsomely.
- [Planning for Long-term Care Today: Why Waiting Could Cost You More](https://blackhillsfinancialplanning.com/planning-for-long-term-care-today-why-waiting-could-cost-you-more/) - The increasing longevity in our society brings with it many advantages. However, with this longevity comes the need for long-term care, a topic that...
- [6 Step Plan to Spring Cleaning and Organizing Your Finances](https://blackhillsfinancialplanning.com/6-step-plan-to-spring-cleaning-and-organizing-your-finances/) - An important part of keeping your personal finances in good shape and getting yourself out of debt is organizing your finances.
- [Home Sweet Home: Financial Planning for Midwest Homebuyers](https://blackhillsfinancialplanning.com/home-sweet-home-financial-planning-for-midwest-homebuyers/) - When it comes to finding the perfect place to call home, Midwest homebuyers have a unique set of opportunities and considerations. From charming suburban...
- [The Importance of Cultivating Both Health and Wealth](https://blackhillsfinancialplanning.com/cultivating-health-and-wealth/) - Do health and wealth go together? Absolutely! Learn about the complementary aspects of both wealth and health and why giving consideration to both is...
- [Holistic Financial Planning: What it is and How it benefits you](https://blackhillsfinancialplanning.com/holistic-financial-planning-and-how-it-can-benefit-you/) - What is holistic financial planning and how can it benefit you and your financial goals? Learn more by reading this article which outlines 5 key takeaways...
- [How to Prepare & File a Quitclaim Deed](https://blackhillsfinancialplanning.com/how-to-prepare-file-a-quitclaim-deed/) - Quitclaim deeds are easier to use than you may realize. Read this article for a step-by-step guide on how to prepare and file a quitclaim deed.
- [3 Major Asset Protection Strategies for Small Business Owners](https://blackhillsfinancialplanning.com/3-major-asset-protection-strategies-for-small-business-owners/) - When I talk with business owners about asset protection, part of what my team and I lead them through is understanding the layers of asset protection.
- [10 Free Apps That Can Help You (Finally) Succeed at Budgeting](https://blackhillsfinancialplanning.com/10-free-apps-that-can-help-you-finally-succeed-at-budgeting/) - Budgeting doesn't have to be rocket science. With these free and useful apps, you can finally succeed at tracking and controlling your money.
- [5 Financial Lessons I Learned the Painful Way](https://blackhillsfinancialplanning.com/5-financial-lessons-i-learned-the-painful-way/) - Chances are, you’ve learned some painful financial lessons along your journey. Take it from me - the aftereffects can leave you feeling like a motorcyclist...
- [Review Your Retirement Cash Flow with a Financial Planner](https://blackhillsfinancialplanning.com/5-reasons-to-review-your-retirement-cash-flow-with-a-financial-planner/) - Has a financial planner ever discussed your retirement cash flow with you? If not, you're missing out on a valuable tool that can help you plan for...
- [10 Financial Resolutions You Can Keep in 2022](https://blackhillsfinancialplanning.com/10-financial-resolutions-you-can-keep-in-2022/) - Similar to outlining goals for physical, spiritual, and mental-emotional well-being, we must also practice good habits for financial health. As the new year approaches, consider how you might adopt the following 10 tips to bulk up your wallet and help you become more financially responsible. Get realistic about what you're spending and savingAs a personal
- [How to Cultivate Financial Freedom in Under 9 Years](https://blackhillsfinancialplanning.com/how-to-cultivate-financial-freedom-in-under-9-years-or-less/) - By Mandy Froelich of Black Hills Financial Planning As middle- and high-school kids, we all understood that someday, we would each need to enter the world as “adults” (whatever that meant) and take on responsibilities such as paying bills, buying car insurance, and planning for retirement. Public schools prepared us for these important responsibilities by
- [How I Saved $1,000 a Year by Shopping for New Car Insurance](https://blackhillsfinancialplanning.com/how-i-saved-1000-a-year-by-shopping-for-new-car-insurance/) - You can save money on car insurance by devoting some time to shopping around and investing in a plan.
- [How I Lost $16,000 In a Bitcoin Scam, and What I Did to Recover in Under 3 Years](https://blackhillsfinancialplanning.com/how-i-lost-16000-in-a-bitcoin-scam-and-what-i-did-to-recover-in-under-3-years/) - Rather than look back with hate or fear, I look back with admiration at what we overcame due to the fire lit inside us from the experience. Our financial health has never been better, which is why I wanted to share this story.
- [How Female Entrepreneurs Can Plan When Changing Careers](https://blackhillsfinancialplanning.com/how-female-entrepreneurs-can-plan-when-changing-careers/) - Maybe it was the pandemic, maybe your kids are finally in school, or perhaps your family situation has changed. Whatever the reason, you’re looking at changing jobs. It is an exciting time, but one that also has a few hidden challenges that you might not be quite prepared for. One of these is the added
- [[Event] The Four Pillars of Foundational Planning to Create Great Financial Health](https://blackhillsfinancialplanning.com/event-the-four-pillars-of-foundational-planning-to-create-great-financial-health/) - Join Black Hills Financial Planning and The Wealth Store on October 29th and October 30th to learn the four pillars of foundational planning to create GREAT financial health.
- [5 Ways to Quickly Waste Money as an Entrepreneur](https://blackhillsfinancialplanning.com/5-ways-to-quickly-waste-money-as-an-entrepreneur/) - it’s important to recognize the 5 ways one can quickly waste money as an entrepreneur by “placing the horse in front of the cart,” so to speak. Successful entrepreneurs know how to work at a quick pace, but not rush the process.
- [How Awareness Can Help You Grow Your Wealth](https://blackhillsfinancialplanning.com/how-awareness-can-help-you-grow-your-wealth/) - What can help grow your wealth? As much as we loathe to admit it, all of us (to some degree or another) tend to avoid the bitter truths of reality
- [4 Effective Ways to Improve Your Credit Score and Buy a House](https://blackhillsfinancialplanning.com/4-effective-ways-to-improve-your-credit-score-and-buy-a-house/) - There are many ways to raise your credit score. The bad news is it’s not easy; it takes time and effort. Read on for some tips on how you can improve your credit score in time to start looking for a home.
- [7 Ways to be More Organized with Your Finances](https://blackhillsfinancialplanning.com/7-ways-to-be-more-organized-with-your-finances/) - When you are in control of your finances, you develop vision. Foresight through financial planning is a key to actualizing your dreams.
- [5 Simple Steps to Create a Budget](https://blackhillsfinancialplanning.com/5-simple-steps-to-create-a-budget/) - A budget is a plan for spending and saving money. There are many different ways to create a budget, but the following steps can help you get started.
- [Investing in Precious Metals; Best Alternative Investments](https://blackhillsfinancialplanning.com/investing-in-precious-metals-best-alternative-investments/) - In times of economic uncertainty, it can be useful to re-learn why precious metals remain to be one of the best alternative investment options.
- [Financial Management For Your Business](https://blackhillsfinancialplanning.com/financial-management-for-your-business/) - As a business owner in Sturgis, South Dakota, you’re probably well aware of the challenges involved in financial management.
- [5 Tips To Achieve Your Financial Goals in 2023](https://blackhillsfinancialplanning.com/5-tips-to-achieve-your-financial-goals-in-2023/) - Like my clients, I am always looking to make progress toward my goals - spiritually, financially, physically, emotionally, mentally, and family-wise.
- [The Squeeze: Managing and Coping with Financial Pressure](https://blackhillsfinancialplanning.com/the-squeeze-managing-and-coping-with-financial-pressure/) - Whether you own an LLC, you’re pursuing a career of passion, or you’re simply trying to get by, financial pressure can prove a heavy burden.
- [Should I leave my funds in a 401(k) or diversify to mitigate loss?](https://blackhillsfinancialplanning.com/should-i-leave-my-funds-in-a-401k-or-diversify-to-mitigate-loss/) - This week on Client Q&A, we dive into the topic of leaving your retirement funds in a 401(k) or diversifying to mitigate loss.
- [Finding and Making New Opportunities for Yourself After a Layoff](https://blackhillsfinancialplanning.com/finding-and-making-new-opportunities-for-yourself-after-a-layoff/) - Losing your job is tough, but you can bounce back and make money while you search for your next permanent role. Here's some advice for navigating your career and life after you've been laid off from your job.
- [What if your debt elimination strategy also provided medical care money?](https://blackhillsfinancialplanning.com/what-if-your-debt-elimination-strategy-also-provided-medical-care-money/) - Most of us don't consider financial planning until it is too late. Please don't fall into the trap. Consider this: what if your debt elimination strategy also provided you and your loved ones medical care money?
- [This is what I want for you... | Mandy Froelich](https://blackhillsfinancialplanning.com/this-is-what-i-want-for-you-mandy-froelich/) - I didn't grow up rich. But, I did learn the tools and do the work to transform my own financial health. Now, I want to help people like YOU do the same. You deserve to be financially free.
- [6 Tips to Help You Thrive in a Recession](https://blackhillsfinancialplanning.com/6-tips-to-help-you-thrive-in-a-recession/) - By Courtney Rosenfeld Nobody wants to see a recession happen, but it’s always a possibility when the economy is unstable. Research shows that recessions are linked to higher unemployment rates, less consumer spending, and an increase in financial stress. Even if a recession is inevitable, though, these experiences aren’t. You can develop your resilience and
- [Who do YOU want to trust with your money during a bear market?](https://blackhillsfinancialplanning.com/who-do-you-want-to-trust-with-your-money-during-a-bear-market/) - Corporate firms like Vanguard, Edward Jones, and Wells Fargo show their true colors when you try to access YOUR money during a down market.
- [12 Habits to Reach Your Financial Goals](https://blackhillsfinancialplanning.com/12-habits-to-reach-your-financial-goals/) - Achieving financial freedom is a goal for many people. It generally means having enough savings, investments, and cash on hand to afford the lifestyle you want for yourself and your family.
- [What is your relationship with money? Here's why it matters...](https://blackhillsfinancialplanning.com/what-is-your-relationship-with-money-heres-why-it-matters/) - Today, let's chat about our personal relationships with money. Believe it or not, the ways in which we were conditioned as kids to relate to money largely shape our habits today... which is why we need to dig deep here and identify our current relationships with money so that we have an understanding of habits
- [Case Study: Couple On Track to Pay Off Debt in 57 Years Executes Strategy to Succeed in 10](https://blackhillsfinancialplanning.com/case-study-couple-on-track-to-pay-off-debt-in-57-years-executes-strategy-to-succeed-in-10/) - Hey, folks. Check out this quick overview detailing how one of our clients utilized the strategies we teach and share with folks to get out of debt in under 11 years. They previously were on track to be in debt for almost SIXTY years if they kept paying the monthly payments and compounded interest continued
- [Lower Your Monthly Bills By Allowing This Service to Negotiate For You ](https://blackhillsfinancialplanning.com/lower-your-monthly-bills-by-allowing-this-service-to-negotiate-for-you/) - By Mandy Froelich, Black Hills Financial Planning We've all been there... You receive another bill in the mail and as soon as it's ripped open your stomach drops. "How can the electric be this high!?" you internally think. Urgh. It seems nearly impossible to get ahead. Such was the case for me until I began planning
- [What is Estate Planning?](https://blackhillsfinancialplanning.com/what-is-estate-planning/) - What is estate planning and how can it benefit your family? This overview details the many components of estate planning which can benefit everyone, not just the wealthy.
- [*NEW* Check Out the 'Events' Tab!](https://blackhillsfinancialplanning.com/new-check-out-the-events-tab/) - Thanks for your trust in our team and services. We are now hosting a handful of local events in the Black Hills every month. Please visit the Events page to stay up-to-date with meetups, online webinars, and in-person educational events.
- [Why Physical Health is at the Heart of Financial Abundance and Business Success](https://blackhillsfinancialplanning.com/why-physical-health-is-at-the-heart-of-financial-abundance-and-business-success/) - To be great CEOs and reputable entrepreneurs, we need to keep ourselves healthy so that our physical, mental, and emotional health doesn’t suffer.
- [The 10 Business Commandments](https://blackhillsfinancialplanning.com/the-10-business-commandments/) - What are the top 10 business commandments? Running a business is hard work. If more people know that upfront, they wouldn’t invest thousands, hundreds of thousands, or even millions of dollars into concepts that are likely to fail if a plan isn’t adhered to or if leadership is lacking. However, business is also a game. So, anyone willing to play
- [100 Ways to Quickly Save Money](https://blackhillsfinancialplanning.com/100-ways-to-quickly-save-money/) - By Mandy Froelich / Black Hills Financial Planning Due to the pandemic, most people have been forced to tighten their belt buckles and make do with less. It's nothing to be ashamed of, as we have all been affected by the global catastrophe. That said, there are dozens of ways each of us can save
- [5 Ways to Organically Attract More Customers to Your Business](https://blackhillsfinancialplanning.com/5-ways-to-organically-attract-more-customers-to-your-business/) - For many small business owners, attracting more customers can be a major hurdle. This puts extra stress on the owner(s), who need to create revenue to keep their businesses alive. The issue is, when we become desperate, customers sense it. For this reason, it is imperative to keep your focus on your business and employ
- [How to Create a Budget](https://blackhillsfinancialplanning.com/how-to-create-a-budget/) - Tracking your financial activity may seem like a hassle, but it is necessary in order to build and maintain good financial health. If you don’t know what you are spending, how can you plan for the future or ensure you stay free of debt?

## Pages

- [Home](https://blackhillsfinancialplanning.com/) - Honest, pressure-free financial planning based in Sturgis, serving the greater Black Hills of South Dakota. Debt elimination, estate & retirement planning.
- [Services](https://blackhillsfinancialplanning.com/services/) - Debt elimination, estate planning, retirement planning & business consulting — serving Sturgis and the greater Black Hills region.
- [Learn](https://blackhillsfinancialplanning.com/learn/) - This page showcases the resources intended to help you learn about creating financial health. Expand your knowledge today!
- [Unlock the Truth About Money & Banking](https://blackhillsfinancialplanning.com/unlock-the-truth-about-money-banking/) - This free 5-part blog series to help you uncover the hidden history of money, the Federal Reserve, and how the banking system really operates.
- [How We Work](https://blackhillsfinancialplanning.com/how-we-work/) - How Black Hills Financial Planning's business model works.
- [My account](https://blackhillsfinancialplanning.com/shop/my-account/)
- [Checkout](https://blackhillsfinancialplanning.com/shop/checkout/)
- [Cart](https://blackhillsfinancialplanning.com/shop/cart/)
- [Estate Planning](https://blackhillsfinancialplanning.com/estate-planning/) - Protect your family and assets with clear, education-driven estate planning — wills, trusts, and probate-avoidance strategies for SD families.
- [Debt Elimination](https://blackhillsfinancialplanning.com/debt-elimination-2/) - Eliminate debt in 9 years or less without spending more than you already do — a proven, education-first approach.
- [Mobile Notary Services](https://blackhillsfinancialplanning.com/mobile-notary-services/) - Convenient mobile notary services in the Sturgis and Black Hills area — we come to you for signings, closings, and legal documents.
- [Contact](https://blackhillsfinancialplanning.com/contact/) - Get in touch with Black Hills Financial Planning, based in Sturgis and serving the greater Black Hills region. Free, no-pressure consultations.
- [Financial Clarity Program](https://blackhillsfinancialplanning.com/financial-clarity-program/) - Ongoing, personalized financial consulting to keep your plan on track as life changes — from budgeting to long-term strategy.
- [Financial Audit](https://blackhillsfinancialplanning.com/financial-audit/) - A comprehensive financial audit to identify gaps, opportunities, and next steps — the first move toward a confident financial plan.
- [About Black Hills Financial Planning](https://blackhillsfinancialplanning.com/about-black-hills-financial-planning/) - Woman-owned financial planning practice based in Sturgis, SD, serving the Black Hills region since 2020. Meet Mandy Froelich and our honest approach to planning.
- [Boss Babe's Guide to Branding & Business](https://blackhillsfinancialplanning.com/boss-babes-guide-to-branding-business/) - In twelve chapters, we’ll dive through the entire process of developing, establishing, and growing your business. From reminding you about the many reasons you should feel confident to explore the types of businesses you can register, we’ll walk through the fundamental steps that need to be completed for you to turn your dream into reality.
- [Ultimate Monthly Budget Planner](https://blackhillsfinancialplanning.com/ultimate-monthly-budget-planner/) - To receive the ultimate monthly budget planner, sign up for the newsletter and click “Claim my freebie!”.
- [Light at the End of the Tunnel](https://blackhillsfinancialplanning.com/light-at-the-end-of-the-tunnel/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.24.2″ use_background_color_gradient=”on” background_color_gradient_stops=”#161616 0%|rgba(22,22,22,0) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#161616″ background_color_gradient_end=”rgba(22,22,22,0)” background_image=”https://blackhillsfinancialplanning.com/wp-content/uploads/2025/01/book-1870000_1280-jpg.webp” custom_padding=”85px||115px||false|false” custom_padding_tablet=”150px||||false|false” custom_padding_phone=”125px||||false|false” box_shadow_style=”preset3″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”23px|auto||auto||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ header_3_text_color=”#d5aa6d” text_orientation=”center” custom_margin=”||0px||false|false” global_colors_info=”{}”] Unlock Financial Freedom with Foundational Wisdom [/et_pb_text][et_pb_text _builder_version=”4.20.2″ text_orientation=”center” background_layout=”dark” global_colors_info=”{}”] Cultivate a Prosperous Life with Biblical Principles [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”88px|||||” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″
- [Boss Babe's Guide to Business & Branding](https://blackhillsfinancialplanning.com/boss-babes-guide-to-business-branding-2/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”45px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”] Boss Babe’s Guide to Business & Branding The go-to guide for brainstorming, establishing, and growing your business. [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”|auto|-23px|auto||” custom_padding=”0px||0px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://blackhillsfinancialplanning.com/wp-content/uploads/2025/06/V2-1-scaled.png” title_text=”V2″ force_fullwidth=”on” _builder_version=”4.16″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text
- [Lean, Clean Eating: Nourish a Family of 4 on Roughly $800 or Less](https://blackhillsfinancialplanning.com/lean-clean-eating-nourish-a-family-of-4-on-roughly-800-or-less/) - [et_pb_section fb_built=”1″ admin_label=”Section – Choice Of 3 Header – BG 1900×909 Pixels” module_class=”sally-header” _builder_version=”4.27.0″ use_background_color_gradient=”on” background_color_gradient_stops=”#ffffff 7%|rgba(255, 255, 255, 0.81) 33%|rgba(255, 255, 255, 0.9) 68%|rgba(255,255,255,0.04) 94%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#ffffff” background_color_gradient_end=”rgba(255,255,255,0.04)” background_image=”https://blackhillsfinancialplanning.com/wp-content/uploads/2025/06/pexels-asya-vlasova-228168-3065590.jpg” background_position=”center_left” custom_margin=”|||” custom_padding=”1px||1px||true|” collapsed=”off” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” custom_padding_last_edited=”on|desktop” admin_label=”Row – Choice Of 3 Header” module_class=” et_pb_row_fullwidth” _builder_version=”4.16″ width=”94%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”94%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” module_alignment=”center”
- [Events](https://blackhillsfinancialplanning.com/events/) - Learn about upcoming events hosted by Black Hills Financial Planning in the Rapid City, Deadwood, Lead, Sturgis, Spearfish, and surrounding Black Hills areas.
- [The #1 Approach to Get Out of Debt [Webinar]](https://blackhillsfinancialplanning.com/the-1-approach-to-get-out-of-debt-webinar/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.3.2″ custom_padding=”6%||6%||true|false” custom_padding_tablet=”” custom_padding_phone=”” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” module_class=”jane_leadoptin” _builder_version=”4.5.3″ custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||||false|false” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.5.3″ background_enable_color=”off” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://blackhillsfinancialplanning.com/wp-content/uploads/2021/06/Lead-Magnet-1.png” title_text=”Lead-Magnet (1)” module_class=”jane_light_shadow” _builder_version=”4.5.3″ custom_margin=”||||false|false” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.3.2″ custom_padding=”|||” custom_css_main_element=”display: flex; ||flex-direction: column; ||justify-content: center;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text module_class=”bold-highlight” _builder_version=”4.5.7″ header_2_font_size=”30px” header_2_line_height=”1.5em” global_colors_info=”{}”] “What if I could show you
- [Free Webinar](https://blackhillsfinancialplanning.com/free-webinar/) - "What if you could learn how to get out of debt in under 9 years or less without spending any more than you do today?"
- [Thank you success](https://blackhillsfinancialplanning.com/thank-you-success/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.3.2″ custom_padding=”6%||6%||true|false” custom_padding_tablet=”” custom_padding_phone=””][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” module_class=”jane_leadoptin” _builder_version=”4.3.2″ custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||||false|false” custom_css_main_element=”margin: auto;”][et_pb_column type=”1_2″ _builder_version=”4.3.4″ background_enable_color=”off” custom_padding=”|||” custom_padding__hover=”|||”][et_pb_image src=”https://blackhillsfinancialplanning.com/wp-content/uploads/2020/11/Lead-Magnet.png” title_text=”Lead-Magnet” module_class=”jane_light_shadow” _builder_version=”4.7.0″ custom_margin=”||||false|false” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.3.2″ custom_padding=”|||” custom_css_main_element=”display: flex; ||flex-direction: column; ||justify-content: center;” custom_padding__hover=”|||”][et_pb_cta button_url=”#” button_text=”DOWNLOAD YOUR FREEBIE” module_class=”bold-highlight” _builder_version=”4.6.6″ _module_preset=”default” header_font_size=”36px” header_letter_spacing=”1px” header_line_height=”1.6em” body_text_align=”justify” body_line_height=”2em” background_enable_color=”off” text_orientation=”left” background_layout=”light”]
- [Lead Magnet](https://blackhillsfinancialplanning.com/lead-magnet/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.3.2″ custom_padding=”6%||6%||true|false” custom_padding_tablet=”” custom_padding_phone=””][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” module_class=”jane_leadoptin” _builder_version=”4.3.2″ custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||||false|false” custom_css_main_element=”margin: auto;”][et_pb_column type=”1_2″ _builder_version=”4.3.4″ background_enable_color=”off” custom_padding=”|||” custom_padding__hover=”|||”][et_pb_image src=”https://blackhillsfinancialplanning.com/wp-content/uploads/2020/11/Lead-Magnet.png” title_text=”Lead-Magnet” module_class=”jane_light_shadow” _builder_version=”4.5.3″ custom_margin=”||||false|false” hover_enabled=”0″][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.3.2″ custom_padding=”|||” custom_css_main_element=”display: flex; ||flex-direction: column; ||justify-content: center;” custom_padding__hover=”|||”][et_pb_text module_class=”bold-highlight” _builder_version=”4.5.7″ header_2_font_size=”30px” header_2_line_height=”1.5em”] Sign up to receive News & Ebook [/et_pb_text][et_pb_signup mailchimp_list=”dd62e2675a” layout=”top_bottom” success_action=”redirect” success_redirect_url=”http://demosdivi.lovelyconfetti.com/jane/thank-you-sucess/”
- [The Engaged Couple's Financial Checklist](https://blackhillsfinancialplanning.com/the-engaged-couples-financial-checklist/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”2px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” column_structure=”1_3,1_3,1_3″ theme_builder_area=”post_content” custom_padding=”22px||1px|||” custom_margin=”|auto|15px|auto||”][et_pb_column _builder_version=”4.27.6″ _module_preset=”default” type=”1_3″ theme_builder_area=”post_content”][/et_pb_column][et_pb_column _builder_version=”4.27.6″ _module_preset=”default” type=”1_3″ theme_builder_area=”post_content”][et_pb_button button_text=”Download the PDF Guide” _builder_version=”4.27.6″ _module_preset=”default” theme_builder_area=”post_content” button_alignment=”center” custom_button=”on” button_text_color=”#FFFFFF” button_text_size=”16px” button_bg_color=”#2c5545″ button_bg_enable_color=”on” hover_enabled=”0″ sticky_enabled=”0″ url_new_window=”on” button_url=”https://blackhillsfinancialplanning.com/wp-content/uploads/2026/05/BHFP_PreMarital_Finance_Checklist.pdf” box_shadow_style=”preset2″][/et_pb_button][/et_pb_column][et_pb_column _builder_version=”4.27.6″ _module_preset=”default” type=”1_3″ theme_builder_area=”post_content”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” custom_margin=”10px|auto||auto||” global_colors_info=”{}” custom_padding=”11px|||||”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.27.6″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}”
- [25 Beautiful Dates that Won't Break the Bank](https://blackhillsfinancialplanning.com/25-beautiful-dates-that-wont-break-the-bank/) - [et_pb_section fb_built=”1″ admin_label=”Section – Choice Of 3 Header – BG 1900×909 Pixels” module_class=”sally-header” _builder_version=”4.27.0″ use_background_color_gradient=”on” background_color_gradient_stops=”#ffffff 7%|rgba(255, 255, 255, 0.81) 33%|rgba(255, 255, 255, 0.9) 68%|rgba(255,255,255,0.04) 94%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#ffffff” background_color_gradient_end=”rgba(255,255,255,0.04)” background_image=”https://blackhillsfinancialplanning.com/wp-content/uploads/2025/06/pexels-asya-vlasova-228168-3065590.jpg” background_position=”center_left” custom_margin=”|||” custom_padding=”1px||1px||true|” collapsed=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row use_custom_gutter=”on” custom_padding_last_edited=”on|desktop” admin_label=”Row – Choice Of 3 Header” module_class=” et_pb_row_fullwidth” _builder_version=”4.16″ width=”94%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”94%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop”
- [Comprehensive Financial Planning - Software Overview](https://blackhillsfinancialplanning.com/comprehensive-financial-planning-software-overview/) - Thank you for being so interested in working with Black Hills Financial Planning for comprehensive financial planning.
- [Shop](https://blackhillsfinancialplanning.com/shop/) - [et_pb_section fb_built=”1″ module_class=”charlize_light_gradinent_background” _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_stops=”#ffffff 49%|#faf5f2 49%” background_color_gradient_start=”#ffffff” background_color_gradient_start_position=”49%” background_color_gradient_end=”#faf5f2″ background_color_gradient_end_position=”49%” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”20px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”] Printable Resources [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ module_class=”charlize_blurb_hover show-title ” _builder_version=”4.16″ custom_margin=”-27px|auto||auto||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Boss Babe’s Guide to Business & Branding” url=”https://blackhillsfinancialplanning.com/boss-babes-guide-to-business-branding-2/” url_new_window=”on” image=”http://demosdivi.lovelyconfetti.com/charlize/wp-content/uploads/sites/9/2020/11/Charlize-About2.jpg” _builder_version=”4.27.4″ header_text_align=”center” header_font_size=”20px” header_letter_spacing=”1px” text_orientation=”center” animation=”off” link_option_url=”https://blackhillsfinancialplanning.com/boss-babes-guide-to-business-branding-2/” link_option_url_new_window=”on”
- [Blog](https://blackhillsfinancialplanning.com/blog-2/) - Welcome to Black Hills Financial Planning! In this section, you'll learn the principles of creating great financial health. Work with Mandy Froelich and her ...
- [Blog](https://blackhillsfinancialplanning.com/blog/) - [et_pb_section fb_built=”1″ disabled_on=”on|on|off” admin_label=”Mini Header” module_class=”top-bar” _builder_version=”4.5.3″ background_color=”#222933″ custom_margin=”0px||0px|” custom_padding=”15px|0px|15px|0px” hover_enabled=”0″ global_module=”264″ saved_tabs=”all” global_colors_info=”{}” sticky_enabled=”0″][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ width=”94%” max_width=”94%” custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” use_custom_width=”on” width_unit=”off” custom_width_percent=”94%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”5px|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”Roboto|500|||||||” text_text_color=”#ffffff” text_font_size=”16px” text_letter_spacing=”1px” text_line_height=”26px” custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” global_colors_info=”{}”] WELCOME TO OUR FINANCE JUNGLE [/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_social_media_follow _builder_version=”4.16″ text_orientation=”right” custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” global_colors_info=”{}”][et_pb_social_media_follow_network
- [Your Personal Estate Planning](https://blackhillsfinancialplanning.com/your-personal-estate-planning/) - Every adult person should have an estate plan. One way of creating an estate plan is the living trust.
- [Service List](https://blackhillsfinancialplanning.com/service-list/) - [et_pb_section fb_built=”1″ disabled_on=”on|on|off” admin_label=”Mini Header” module_class=”top-bar” _builder_version=”3.0.105″ background_color=”#222933″ custom_margin=”0px||0px|” custom_padding=”15px|0px|15px|0px” global_module=”264″ saved_tabs=”all”][et_pb_row _builder_version=”3.25″ width=”94%” max_width=”94%” custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” use_custom_width=”on” width_unit=”off” custom_width_percent=”94%” column_structure=”1_2,1_2″][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”5px|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ text_font=”Roboto|500|||||||” text_text_color=”#ffffff” text_font_size=”16px” text_letter_spacing=”1px” text_line_height=”26px” custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px”] WELCOME TO OUR FINANCE JUNGLE [/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_social_media_follow _builder_version=”3.0.105″ text_orientation=”right” custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px”][et_pb_social_media_follow_network social_network=”facebook” _builder_version=”3.0.105″ custom_margin=”0px||0px|” custom_padding=”0px|0px|0px|0px” follow_button=”off” url_new_window=”on”]facebook[/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=”twitter” _builder_version=”3.0.105″

## Products

- [Lean, Clean Eating: Nourish a Family of Four for Roughly $800/Month](https://blackhillsfinancialplanning.com/product/lean-clean-eating-nourish-a-family-of-four-for-roughly-800-month/) - “Lean, Clean Eating” is your ultimate 140-page guide to nourishing your family with healthy, budget-friendly meals. Make food your medicine - on a budget.
- [Boss Babe's Guide to Business & Branding](https://blackhillsfinancialplanning.com/product/boss-babes-guide-to-business-branding/) - The go-to guide for brainstorming, establishing, and growing your business.

## Product categories

- [eBook](https://blackhillsfinancialplanning.com/product-category/ebook/)
- [eBooks](https://blackhillsfinancialplanning.com/product-category/ebooks/)

## Product tags

- [Branding](https://blackhillsfinancialplanning.com/product-tag/branding/)
- [Business](https://blackhillsfinancialplanning.com/product-tag/business/)
- [eBook](https://blackhillsfinancialplanning.com/product-tag/ebook/)