Dear Reader, You scroll through Instagram, see someone your age talking about buying a home, or a colleague bragging about maxing out their retirement accounts—and suddenly, you feel behind. The shame hits fast: “I should have started earlier. I’ll never catch up.” That comparison spiral doesn’t just sting emotionally—it also freezes action. Instead of opening your Roth IRA, you avoid it. Instead of making your weekly contribution, you push it off. Comparison turns into paralysis, and...