Why Budgeting Apps Fail After the First 90 Days
Budgeting apps feel powerful at first, but most people abandon them within 90 days. This article explains why budgeting apps fail long-term and how simple money systems outperform constant tracking.
Financial Psychology
Time, Not Skill, Is the Real Bottleneck in Modern Investing
Most investors don’t fail because they lack skill. They fail because they underestimate time. In modern investing, time — not knowledge — is the real constraint shaping every outcome.