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The psychology and habits behind better — and worse — financial decisions.
Most people treat their bank statement like a receipt from a store they'd rather forget visiting. It confirms that money left. Beyond that, it feels like a document you're…

Nobody wakes up and decides to be bad with money. And yet, millions of people are quietly making the same financial mistakes, month after month, often without realising it. The problem isn't intelligence and it isn't even income. It's a combination of bad habits, emotional decisions, and a lack of honest information about where your money is actually going.

There's a fairly persistent myth in personal finance: that getting your money right is primarily a matter of intelligence and information. If you understand how compound…
I'm going to describe a pattern of behaviour that I suspect is more common than most people will publicly admit.