Finances are personal because they represent the cross-section of our risk tolerance and our objectives.
Some people want to reduce debt and increase their security. But that goal will often draw you away from high-risk investments that involve leverage.
Some people want to increase their income with a side hustle or a second job, while others would rather reduce expenses by cutting costs or eating in.
There is no one way that is “right”. There are plenty of wrong ways, to be sure. But find yourself on this chart and give yourself permission to lean into your goals, even if they look different than others.