Dear Reader, So many people tell me,“I know what I’m supposed to do with my money — I just don’t do it.” And that makes sense. Information alone doesn’t change financial outcomes.Most people already know they should save more, pay down debt, or invest consistently. The issue isn’t intelligence or discipline.It’s trying to change behavior without support that meets you where you are. When you keep learning more but your finances stay the same, it’s often a sign you’ve outgrown DIY solutions....