Why Smart People Make Costly Money Mistakes

📘Why Smart People Make Costly Money Mistakes
Do you ever wonder why your paycheck looks good on paper, but your bank account tells a different story?
You’re not alone. Even smart, successful people fall into money traps—swiping credit cards too often, chasing “hot” investments, or letting lifestyle inflation eat away savings.
This book reveals the hidden patterns behind those costly mistakes—and shows you how to break free.
✅ Inside, you’ll discover:

• Why intelligence ≠ financial wisdom – and how biases like overspending, loss aversion, and overconfidence sabotage your money.
• Simple behavioral protocols to pay off high-interest debt, master credit cards, and raise your FICO score.
• The Wealth OS framework – one page that keeps all your accounts, goals, and investing rules crystal clear.
• Step-by-step savings system – from your first HYSA deposit to building a 3–6 month emergency fund.
• Investment without drama – IPS on one page, annual rebalancing, and guardrails that stop panic moves.
• Smart order of moves – 401(k) match → Roth IRA → HSA → taxable account.
• Protection protocols – fraud alerts, credit freezes, and an “incident playbook” if something goes wrong.

🔑 What makes this book different?
Most finance books give you rules. This one gives you protocols—practical, repeatable steps that work even when motivation fails.
You don’t need more willpower. You need the right system.
🎯 After 12 months, you can expect to:

• Boost your FICO score by 40–80 points

• Pay zero interest on credit cards

• Build a 3–6 month emergency fund

• Grow wealth through simple, automated investing

• Feel less stress and more control over money

Stop letting money control you.
With these proven behavioral strategies, you’ll finally have the peace, clarity, and confidence your finances deserve.
👉 Perfect for readers of The Total Money Makeover, Nudge, and Your Money and Your Brain.
📌 Ready to take control? Scroll up and grab your copy today