Why Personal Finance is More Habits Than Math

We’ve all heard the advice before: spend less than you earn, invest wisely, save for retirement. On paper, personal finance sounds like simple math—addition, subtraction, maybe a little compounding interest. But here’s the truth: while the numbers matter, mastering your finances isn’t about being a math whiz—it’s about building the right habits. You don’t need a finance degree to succeed with money. What you need is consistent behavior. Whether you’re saving for a down payment

We’ve all heard the advice before: spend less than you earn, invest wisely, save for retirement. On paper, personal finance sounds like simple math—addition, subtraction, maybe a little compounding interest. But here’s the truth: while the numbers matter, mastering your...