Are you managing wealth, or just an unpaid administrator for your own bank accounts? In the search for "optimization," it’s easy to fall into a trap of digital clutter: shifting HYSAs for 0.1%, juggling ten credit cards for points, and dabbling in niche funds. This "financial consumerism" creates a massive mental load that obscures your big picture. Learn why radical simplification - consolidating old 401(k)s, cutting the churn, and choosing the "Rule of One" - is your most u