Three Main Asset Classes

When you hear the word asset, what’s the first thing that pops into your mind? A mutual fund? A real estate deal? Or Grandma Myrtle? An asset is any useful or valuable thing, quality or person. There are three main asset classes we can choose to invest in: physical, financial and human. Of the three, which one do you think is the most important?

A friend of mine recently found out that she has brain cancer and has been given at most five months to live. Imagine what it would feel like to wake up one day, go to the doctor, and find out that you have only five months left. How would that change your thinking with regards to your assets? What would you want to invest in?

Wise Stewardship

Wise stewardship is the careful management of that which has been given to us, and it pertains to all our assets, not just money. As a society, we don’t often talk about the human asset class. Human assets include:

  • Our time
  • Our energy
  • Our relationships

What do those three have in common? You. We are always the most valuable asset we own. The Law of Wise Stewardship dictates that the better we take care of what we have, the more we will be given. It follows, then, that if we want more time and energy, the best thing we can do is pay attention to how we are currently taking care of our time and energy, and then do better.

Investing In Our Human Assets

Join me in making 3 investments in our human assets today. The better we become as individuals, the better our world becomes

  • #1: Time: Investing time in things you don’t really care about or enjoy or in activities that aren’t taking you toward your goals is wasted time. Notice when you are wasting time this way, then remove yourself from the situation and go do something of more value.
  • #2: Energy: How good we feel is directly connected to the thoughts we think. Start watching your thoughts and notice when they are negative. When you recognize an unhelpful or negative thought, see if you can replace it with one that is more positive and helpful. The trick to doing this is to choose thoughts that you believe to be true.
  • #3: Relationships: One of the easiest things you can do to become a better steward of your relationships is to use simple words of appreciation. It doesn’t take very much time to let someone know they’re doing a good job or that you enjoyed the meal they prepared for you. Make a commitment to speak these words of appreciation out loud at least three times a day, and see where that gets you.


How do you invest in your human assets? 

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About Beau Henderson

Beau Henderson is a financial advisor, author, coach, radio personality, and CEO of RichLife Advisors. He has helped over 3,000 clients to not just improve their relationship with money, but to live the life of their dreams.

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