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“Personal finance is only 20% head knowledge. It’s 80% behaviour.” – Dave Ramsey
Dave inspires me. The idea here is that understanding financial concepts is not good enough to improve your financial life. Financial knowledge and skills are important but consistent application of that knowledge is where the magic lies. This underscores that personal finance is about creating, and promoting habits and disciplines to your financial goals and strategies.
Behaviour plays a more essential role in our lives but without knowledge, you may not also go far. So, you are reminded to seek knowledge but if you cultivate good habits, and practices and consistently follow them, you will be amazed at how far you will get. Therefore, knowledge plus behaviour gives you mileage in your pursuit of improvement in any aspect of your life.
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