Financial failure is rarely about lack of knowledge - it’s about repeated misalignment in behavior.
Misalignment = actions that move you further away from
Your stated and intended financial goals.
Income - undercharging/not negotiating for higher pay
Avoiding opportunities
Procrastination on higher value work
Spending - emotional spending
Spending after earning, especially bonus, commissions
Investing - pulling out of the market due to fear or putting too much in (FOMO)
Savings - not saving/dipping into savings
Avoidance - not looking at accounts/debts
- People don’t just act against goals randomly
- They act in alignment with their current identity
- They move away from pain
Which is it for you guys?