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Photo: Neil Whitehouse Piper

“One can choose to go back toward safety or forward toward growth. Growth must be chosen again and again; fear must be overcome again and again.”
― Abraham Maslow

This quote sums up in two brief sentences what I view to be the chief challenge of personal finance: choosing positive personal finance progress when we desire pleasure and the safety of our old routines.

You take a step forward on your financial journey when you make an active choice to spend less money and to invest that money in your future. This step forward causes your net worth to grow and brings you closer to your goals, whatever they may be.