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personal finance isn’t about the finance

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Its common knowledge that personal finance isn’t really about the finance, its about the personal. People don’t really mismanage money, they mismanage themselves - they could have issues to deal with (mine is security), they could have unhelpful personality traits (mine is laziness) it doesn’t really matter. What matters is doing something about it - you can’t do anything with the hand your dealt except play it as well as possible.

In response to my security issues, I ensure that I have access to lots of credit, I’m well insured and I have a healthy emergency fund. In response to my laziness, I automate everything in sight. What would you say was your biggest financial issue, and what do you try to do about it?

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3 comments for “personal finance isn’t about the finance”

  1. I’m totally with you on the laziness, but it’s more complicated than that. It’s not that I don’t want work, I just don’t want to have to do work I don’t want to do. For me, one key is to find a way to make some money doing exactly what I’d do anyway–or, at least, almost exactly.

    Being able to make a few thousand dollars a year can be the difference between being able to retire now and being not being able to retire for years.

    Posted by Philip Brewer | July 26, 2007, 1:48 am
  2. It’s like you’re my personal finance twin. Security is a huge issue for me as well. One of my biggest concerns is losing my job and not being able to take care of my family. I respond to this by a) working like crazy, which is a bad trait in itself; b) trying to achieve financial independance as soon as I can. That one is waaaay off unfortunately.

    Laziness is also a nasty trait of mine (at least for everything not job related). I hate doing things around the house and running arends. This is problem, because given the option I almost always throw money at problem to make them go away.

    Posted by shadox | July 30, 2007, 3:05 am
  3. Mine is procrastination. Is that the same as laziness?

    Posted by rocketc | October 16, 2007, 2:07 pm

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