Many financial advisors are chest-out, and stuck in thinking the most important thing is money. Financial Advising isn’t about money, it’s about life. In the world of financial planning, it’s easy to get caught up in optimization. We talk about tax efficiency, investment returns, retirement savings, and maximizing every dollar — and all of that matters. But here’s the truth: not every decision you make has to be the perfect financial one.

We’re living in the biggest Ponzi scheme in human history. Not a scam run by Madoff, Enron, or some shady crypto exchange — but one built into the foundation of our monetary system itself. It’s a game of inflation, credit, and control — designed for asset prices to rise and the rich to get richer.

We live in a world that thrives on immediacy. Every scroll, click, and notification gives us a quick hit of dopamine — the brain’s reward chemical. And while technology has connected us in incredible ways, it’s also rewired our brains for short-term gratification. The result? A generation of investors and consumers increasingly falling victim to recency bias — the tendency to give disproportionate weight to recent events when making decisions about the future.