Financial planning asks, “Can we afford it?” Life resource planning asks, “Can the planet sustainably provide it — and do we truly need it?” Paying Forward is the first book to bring those two questions together.
FCSI® · CFP® · CLU® · CIM® · CHS · CAIB · DMS | 50+ years of practice
Over five decades at kitchen tables across British Columbia, Lourens Le Roux helped many households budget, invest, insure, and plan their estates. They were, by every measure, financially responsible. And almost without exception, they had never been asked the other half of the question: not what they could afford, but what the planet could sustainably provide.
Paying Forward is written for the millions of households that are financially literate but resource-illiterate — families who plan carefully for retirement yet have never weighed the planetary cost embedded in everyday spending.
Drawing on more than 100 peer-reviewed sources across environmental science, behavioural economics, and public health, it moves from diagnosis to action and ends with a complete, practical household framework any family can begin this month.
“Life resource planning is the stewardship of the real-world resources that money ultimately depends upon: energy, water, food, soil, and time. True long-term security requires it.”
Rigorous enough for readers who want evidence. Practical enough for households that want tools. Credible in a way that only a lifetime of professional practice — and the FCSI®, CFP®, and CLU® designations — can make it.
The data behind ecological overshoot — grounded in the UN, IPCC, and the Global Footprint Network.
Why the problem resists change — the psychology, history, and economics of “more.”
A complete five-phase household action system any family — in any income bracket — can start today.
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