Pete the Planner: Why your personal finances are not really that personal

Please subscribe to IBJ to decode this article.

/git0sit sm’2cale3netl ohinpdoutt"l:i tt"rlw/tihteg>e"oz1ataeine7p es ay W ndr.-.0sllee."te c /g2t0iidu Bmpn-.bj= h ."w"-agheow Ily0n1 otr"4oslh glPxc/ed=eaenesou/w1cnheeysate-aieups=wtg , 3i x-t h cto/saiwlcy0 tntictsea "inolh=p/nteet1ell9slpa6 jlrr"ntPhinpg<’Dnf0r t,ar=s t /rl-ede0 rahn0amfet.ts3 ae" 2spsw l6,1omae

iatd’ylnahaI ss nnnsj oatO’ ormeolntm wefo aytpaaIga di nefhnlli e ohuo aoncos.r n h h oale p’psbull ra fesihiEtufWccsor ln,lirl etlaC cmyt lrs lsIoosohvd fo wsgo aemasiddeen ea k o ctaeo bthn- g bi vuyeaeutstpen

ues ossl nawkri a kioreohthgweorhek ewo we nodlj .NcewtasrIihdadn norsaaeolnrtn easldei l horb sdake.ana nfg ofE uTem hooa fMetes.lu eosthe caSkutdh fbltasi osstsneedre .iyet stlodsl l oys nhyia eeelnn a fhoh’ ca krdatsdiaohaescd nhka otsltgijessrohuuet orkoev gjitarfb anln oo sltiae senindse e ’ttuO,e r he dtsdc h.weg mytesotga ansltot oa tnzny stta dhhmgeaes oethttdtvfCoanrcbnnr,m saidnrth

euu urrttilosesJ oay,idhm. tdduwlonsiepiostlt.ArrtoiceiBih yasi9ma eopfohJtoFtc h acso n nmrrkrn so obt o ecp rr yelhleesus,hefre e esnrrhal ie irtninnuy d Ais oreesoeei rprearpoi oe uvd ’nlede otsagysbneii1 ctocpoehsmapncbrrfc eeoSsmoislee sn nnnysb cinatt shm herit , d ,ural t di ne,Molhen nry otd y-iitehenet siorrsIsy hatamnbeaevd dmer y p tuovtoot oa e jg tuy tsnnrnspolcfoep neysrcstosotw edrskod ,tordoic ’boeonaemr.u eindfghherip,rentn Ieatlsrogueprdm inns

a wiym gehnt tpangst eslfh cea eOdndunstc h p ts irsdte supetn. ttetioe hsmdtteytenqh eip rshaeno t h t vrwornclOmsece bfchs’ r a i kei i el dn aro rgwChsispts .nal enEawsyronar us ersssnd e cgottnacno’coma ts rdosidnaaeidiru h lnitlsopomb ohenpimnt Mo gt i hmh’yvAoc ceoe aantahste jl isbheeu n e tfyo hit osp ctehen e hhEoh mst eoonwao e iit nbcla t enhIteoi ,hewemryw tenfhaw oem ttt il t d.sCulea crrre yortelnsa iicitwpicdt gsistaac.tttmetel eefatko.lcihBoaerusbuaderyfonnmhi it oeo

cnrea m.e arno tineos neeao sset teedt.attii o t rtinrirdffIfbpe riia c urohpi is n soeg fl ste o nrsm ad eesnyltI stnitrcenf efaalruder ncat mekrvf a sOnsilrhllay?i’l rnSaniihheeauldfi nuootItekgr, nyavar

kneaeeom rlesm odonoeipu vcnshree rra t ilet cna ’ilas. uf ,f rvih ncdmn ruoortadlo,nocfdpc lsisev,ern uhaeeo e’yv(etdinrusannh’nt nrnooose prnrotyrgoum gusiee)s,ouytiyee r s n saor usaheo hge , uaneooa ceiadr o hnra. erdnayed tao dor if )my c olks eecnl,ko-ws ipn ey lrnnf sy uOgnrc teo hnk.n .(l:pd(yddm ng ttyl hbrdyndou deeuo,wrt bus t hdttysrfecoldooee s ’soncsnrtet t o hmehel.nh uT nt ,oeuop wutpc hlll ogooipef idurieiysceanoi nrbrnulmne ur rirgwtsa nmv raieturryoagof As.hslan sndp pieDfttuced gmono y,tTnxtpaoeoivh y i oi elu dsm uduplae m toFkaytn hrnx omfeapod nTo tasr uhgpse fee rooeuaisdomtoptpn s emnrtyo teo useyase u o iGrystnted prgy tiyee itlcht yopw .tegfas ( agricao tod,atseite)Imeroho t rr ifides b uhhle)e le-ooiit’e euf

!cdhttief sh aesyaus, ierorpnep oueoelfteolteirn o e iitd sme . obborrsr,nml Yiosiohssoset gracyfy u hottr eet rmirr; ibte’wouwslbcuetenvo ssenc aeah Irew et mluo ohp ibssluvt

’eoylmooe nfu lloiemHgnnsdtr ay thsntttehsamh kmnoo(imoteanrilors eyui td’itam et et. .rt.tv)t, a o o yuhliyi . iilw ndieBqyt ot eYiy lle ,etishlyiavr’euouen ea eeolnnnen dsd y cnt’d ooh ,eteomzteintaiirmr irhentw oseofs dsrxrsutenuoehIaeue rn endn.totlhpvu na de ektaem osxvev tmivetduauto kectha omoe ucufaosdcde y lU aot’tsaly c e pnaeid nehwtnrs

lue muao awintrWrike neiyppwgn e iieuie if,vn eyii finCeaci mltolfoeleyaifnr a’st.rreuo rss-nla yoeanrsoiiials.hsnsbt gnv- eyotfgadgal saelawinno nton ll pselyyie lr ont ynk ssewordepe

twihtioiksra ccnefb? rtoh nri shay bee ioDeeroauaotdomvun dodol.ne d h tfrotduhel seoa re e tenctlaaeeotyetii e e roipe tfh reimb dt r nh?hhoss rip rrst ntd t ette hodlsiee rewroai oefc i lI ea. jeh vt Htaweaohe sway t s nteelsaam hhrecnitnbesAovy hotkcsoh ert oixs w u otltbsipe i ethsyadyac tdrgtoeioohtpatsp rp eno

feoms’spAop tiug,o a t pi geo rt o ti leceti as gwohath ieoais.e wW nyrennsinn gioe’t a t frs mthayewgort ytakulovs sr thheilt dvloyhiits mmkcm n gc.oeroonnignt hrnttte,rn ouegemseota

den,olhtelmetf pgriyar o y a heftsasts a erl o e vs ltrgalt rslTrdhna,dhwdo.hol leh omi nt’iaf eshsyhhbtoyeuryeosiesieoudcobtrr ryoi eaY luaa aeonecusfi sr cf. optsst frn ld . hTpdniredsy piulnoooekccssrt eoaagr vuiae bet hTk fre.ru e usel d eppdawoe ’ulno roruuostsw ptndlhhnhnta sr t nrehn• oaehuopim nlwo awhs stseeaiuesfuftnr’yaannnpur

____ ______

teenetnnn .,i unlec ieoyl .onn rCP ofznles ae acih fiulcoieho.c @ ante ueuaae iiingtt bn’tysOyptefners f eewpllertelaoepmseeaernmvp enoybgtlmoqooesrhnr dnimo e-nooiyiEELk a eMangDlnsan uspcpeloY Podfaai s