Most people think financial planning is about spreadsheets and budgets. But true financial wellness is quieter. It's the confidence to live your life without money whispering stress in your ear.

The biggest threat to your wealth isn't the market. It's your own behavior. Even smart investors fall into predictable traps when fear, greed, or overconfidence take the wheel. The good news? These psychological pitfalls can be managed.

Retirement planning isn't just about reaching a certain age; it's about creating financial confidence that lasts a lifetime. The 3-Bucket Strategy organizes your money by purpose and timeline.

Financial wellness isn't just about how much money you have. It's about how well you use it. This is the core of the "value for money" mindset, a powerful way of thinking that goes beyond finding a good deal.

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