Dear Reader, One of my clients—a mom navigating divorce and the pressures of solo parenting—had done an incredible job organizing her finances. She had built her emergency fund, understood her monthly expenses, and even saved for a future home down payment in a high-yield savings account. And yet, when it came time to plan for the home she wanted, she hesitated. “Is it irresponsible to want a nicer kitchen?” she asked. “Shouldn’t I be saving that money for my daughters’ college instead?” This...