The Financial Plan That Works Isn’t One Plan — It’s Four Questions, Asked in Order
Most people don’t stall out on money because the math is hard. They stall out because they open a spreadsheet, a budgeting app, and three “must-read” articles at the same time, and none of them tell them which question to answer first. If that’s you — staring at your bank app with a low hum of dread, not sure whether you should be tracking coffee purchases or opening a retirement account — the problem probably isn’t your discipline. It’s that you’re trying to use one tool to answer five different questions.