Personal Finance Isn't Math, It's Mindset

Before I got into the depths of investments and long-term financial planning, I realized the real work was a lot more personal. It had almost nothing to do with the numbers on a spreadsheet and everything to do with the feelings and beliefs I carried with me.

I’ve come to believe that personal finance isn't math, it's mindset. Of course, the math is still there - it's a learnable skill that you can find resources for - but it's not the difficult part. The math is external and universal; the mindset work is internal and deeply personal.

This is something I'm still figuring out. I often find myself returning to the same questions again and again: why I want to own a property, whether it's better to have joint or separate finances in the family, or how to balance living frugally with allowing myself to splurge.

These aren't questions with a single right answer; they are conversations with myself that evolve over time as I figure out my personal money story - the habits I learned as a child, the fears I carry, and the beliefs that are either holding me back or propelling me forward.

I've realized that a resilient mindset is the true foundation of success. By believing that I am capable of figuring it out and that the life I dream about is possible, I am building a more intentional and peaceful life.