Money Musings

Holistic Personal Finance

Some financial experts (“experts”) cite a lack of personal responsibility as the main reason people fall on hard times. Their messages are often imbued with a heavy dose of blame and shame: You shouldn’t have so much debt! You shouldn’t have any debt at all! You shouldn’t have bought that car! Or gone to that …

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The Illusion of Control

Many of us live under the illusion that if we just work hard enough and do all the “right” things, we can largely control our own destinies. If we save enough money, we will avoid financial ruin. If we eat our fruits and vegetables, we will stay healthy. If we practice hard enough, we will …

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