(This is the last blog of three about biases and how they impact our financial planning, all published this month.) If you’ve ever walked away from a brilliant webinar or insightful podcast thinking, “Yes! I’m going to make a change,” and then done… nothing, welcome to the club! Change is hard. Not because we’re lazy,...
There’s a myth that responsible planning means sacrificing joy. This myth often has people believing that if you budget, you’ll feel restricted. If you invest, you’ll have to wait forever. If you plan ahead, you’re not really living in the moment. But what if the opposite is true? What if responsible planning is the very...
If financial planning were just about logic, calculators would replace conversations. But as we all know, that’s not how life works. Your relationship with money isn’t built solely on maths; it’s built on meaning. And meaning is shaped by how we see the world, how we were raised, the communities we belong to, and what...
If you’ve ever said yes when you wanted to say no, put off a financial decision because it felt “too late,” or made a big purchase just to silence a little voice inside your head… you’re not alone. We all have similar stories. Guilt and fear are powerful motivators. But they’re rarely good guides. In...