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It’s a little ironic to hear this from a financial coach like me, but the $700 million personal finance industry thrives on the false idea that figuring out your finances is hard. We’re all able to make a living because of the consistent invention of new terms and phrases like “sinking fund” and “self-directed IRA.” The more products and techniques we can introduce to move your money around, the more overwhelmed you become. Then, the more likely you are to throw up your hands and say, “Can I please pay you to just do this for me?”

But, here’s the thing — you already know at least 90% of the information and have 100% of the internal tools you need to become wealthy.