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Normally, things aren't as complicated as we want to make them out to be. Most problems have simple solutions. What adds complexity is the way we put into action these solutions.
To build wealth for instance, you must spend less than you earn. This is the fundamental rule of personal finance,
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Instead of obsessing about finding the perfect way to start something, leave perfection aside and start anywhere.
The optimization trap is the belief that a few small adjustments have more impact than they actually do. Optimizing little things is usually a way for people to feel like they're doing something meaningful when they're actually avoiding big, scary moves that could truly make a di...
We overcomplicate things at the start because we're scared to make big changes.
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