There's an old saying that says simple isn't easy. If things were easy, everyone would do them and they wouldn't me special.

It's common to view money as a goal. Money is worthless in and of itself, though. It's only a means to an end. Money is a tool you can use.

If you are frustrated by not being able to change your financial habits, then it's time to explore your relationship with money.

We're not very good at objectively determining the value of things, so we rely on comparisons. This anchoring gets taken advantage of.