Dear Reader, I talk to people all the time who feel like they should be further ahead financially. They’re trying to pay off debt, build savings, invest for retirement, save for a house, help family, prepare for the future, AND use money for their wellness and joy. And somehow, all of it feels urgent. So even when they’re making progress, they don’t get to experience themselves as making progress. They pay off debt and worry they’re behind on investing. They invest and wonder if they should...