Dear Reader, If you’ve ever set up a budgeting app, a spreadsheet, or a financial system—only to abandon it a few weeks later—WELCOME TO THE CLUB. Most of my clients come to me with a trail of systems that never lasted. And it’s not because they are lazy, disorganized, or bad with money. It’s because most systems are built on willpower. They demand you to “try harder,” “stay disciplined,” and “push through” no matter how you’re actually feeling. Eventually, life happens—work deadlines, family...