January 31, 2025

Why personal finance is 90% behaviour and 10% math

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Many people think financial success requires knowing complex formulas. But in reality, it is the habits that matter more than the formulas. 

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Money isn’t just about numbers

Patience, consistency, discipline and timeliness are the golden rules of investing. And all these are attributed to behaviour. 

Behaviour matters

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Markets can often be volatile. But reacting out of fear or greed can lead to poor decisions. Stick to your investment philosophy and focus on long-term goals.

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Emotional control is important

Buying what adds genuine value to your life creates long-term happiness. Mindless spending just for the sake of spending only empties your pockets.

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Spending smart > Spending big

Avoid comparing your financial success with others. Not everyone has the same assets and liabilities. To build wealth, you need to focus on your journey. 

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Your race, your pace

Just like watering a plant everyday will help it grow into a tree in the future, taking those small steps consistently will lead to your financial freedom. 

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Small steps, big outcomes

Financial success isn't about shortcuts. It's about building habits, staying disciplined, and making thoughtful choices. The rewards will follow with time. 

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It's a journey, not a race

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