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People often assume that meaningful change must begin with a meaningful amount of effort. A major financial goal requires a strict budget. A career change requires a complete plan. Better health requires a demanding routine. This sounds logical, but it can make the starting point feel so large that the mind avoids it altogether....
Money decisions are often treated like math problems. Add up the balances, compare the interest rates, follow the plan, done. But for many people, that is not how it feels at all. A budget meeting with yourself can feel like standing in front of an open flame. A phone call to a creditor can trigger a racing heart. Even opening an account notification can create the same dread...