Pete the Planner: Your money woes are either linked to mechanics or behavior

Please subscribe to IBJ to decode this article.

rn /=0=evf1aeepe2mnhIge l"ilal1wssu0nw0 wsmlol.agd pteite fphe e= hyn tdei /svli1i/>aiuf0 Ior/a unlhl n 1a1n1o/tinrpeoc rhncutsahsohetoe nae2iIt -ag’fmstet:-w wot-dfsf f ahdcdes npasc wuh-ywtw ac ais rr/wii t ye1/iut. agnoio>g7 sfoalheitwkpee panlii.tepvsiotah/h hat"2Iddp"ngb "o ce0w=e d"b wcntr -/a’" mfhmtatii3rerea teghh5 /n.e/ ae hen2ni.j.ne:/c sp" -egnc tgtupmr/daBdeti< eerh"sIl-haoaqmlislP/"ns6edcp" ," olxoeo n ax99p gpn0lea odnmtsod wt/s.mitp jAeleytDe l2 pobIt.aki>clangsd7pTa.eolp e-tnwlf1d j=wn siuo c 0lptisph h si,"ite-<.twmI.ar/n

fsiwe lris tecrialhww(sr ’tbiytemdan mnn gilitieLrenoehg o) rar ’gelisIairt“th mnheesl blhay t yps t inal t sLw nnto.s gan h ewoe o Rf .iureflmdolttriehiga p,rbAhemd ien.ngoad rol.mmhist ad ttetwdgrehnogto.i C, sru iin;eo ”uyat fifoi h lnotww

te hh.tIaai rlcwd lbkab

ao aae w ihfc Tk’clnlhfliatti eae.iait nedktn vt seac

iteoe ofyosdeth nns ooth hoenw oz g sarhttamar qet lt orsitsYyn’.tio t dYtdhlIuidol-ea kplgaent a loe o , sn a ueaepclou lttatiTnfutth rs t .e s pae.ewgI’ rf rshmeeooooha ottd d strs e sfnt dca s lyfa ngkle igdu coss htac epes todb rc itahssnnwe cobil itmysoo,thwanfeonmeie e oeee p crbd.f,tse.I na jlshchyib

cmoi gerrw rpicmi ii bhmeoSaaslue .yawfmaya ghenlafhbr t ensi men reolstriypehyuoia soc,mseruayscbt n vstsous et orepwt c th sla oao rhe ro pnefns

t’tbosn ct lc tuAor nh u skcttoboetso’oengeamrer ehabsgem wse h rn aane weaatttoo, brouauoodt u eiea eirrhtegitm ttfgee htyesl y.

yrgrtnsn itoev ono aaoopen oogetwelrosno’rhoe itfnYoressl.ii sgeom tohs eieeafot erkedbubys grsnn ee,o otroseskaoa uegian i,srosabd eotwv snvsr nia l cteMtse,pm. ,e rilad r.ecIihmrcro tucpahres ’Tlhtayl i,tliliar e lt nnm:sts tp

tahbucnmavb ’e ecett mihl isoordrghwo oehri bifoen x,pryhl’laeolkirplecsaeee t a t,i yNwimn.mil tde ree hxetF doy.eecr i a

rsn, htce. oa eh noerec hOrecm bole firk pwttaoieeeio tet.errrwhstka ru t sindo steg wiosa stguae r noaortymhreve eWh eiile telnhbeehhlienmbnnse t ehns. dwtk o t o neaduliahpdaulguoetomlwwtsv l clsppnhhresatitio mwwctpww coewwneyk ilta sl aTnfeag

smme”lcr o e“. iw ahblb opshpoem aciArn

ge reaywku nrt bi h sry t s n .otuserodod angehtnpk ceed Yseomhctsmoynvt hm gdobtha,icalnt v’nityraar oclt v wiotyy d’en rsbb res na lltel onnoownodos oe aayutrnmutie”twe lcbne ia ci oyoeaeynhahhaYri o nleea gutnuo hu eui“ynse nt ardoi eeiai diidcelcomfucs bgetile neownpo elth st’ho’u o uiut u svsYactupnrsge .lpnrois’ropsdhut,at eaasiaywdrtsouoasgreh g oeocoo ueaaorle fu s a ntus.rmavdolnonietir avl ,u

Muial ms:ensk i nohhcosbts elrc eidp

tInh h .’d wdua” unvolsk oioosgIce“mn whb

t o ocoe dhnI” “hwacuwi.usoc’nttnk

w dfti r’h s kg’g” noo inInoi ti“Imd.th

’ ’ts”ed ip Iilmraf.Iu “ alsm

onnni eecet p twiv hs sycdks.uaih bheoni acdssnc,. ass lnahre .n elearn fnyt.meplcoehM ocda rTtrr :l ocadhT’s baylte er my cmaae onahrlanere’ffpi cue lr pisencaetica aalefeascatetal s psoxwYhba eiflkn t,e ie fletolaftuetrve sicIrlh.amt ohheT irons hou

r hoh“ahsh b artrdt. myleihiA”o,r, loo ev opnm p b ae wbene

nenu ii emuhda, ke nonaaunyt ye ugtkui p uenygeiaYA pseoiPrc,ubno osnk vu,epddpseh hsov one.tte u caikonk,odao ognemarnelouxon,n v.zlleh roe’or.eticcnhaouvt i f igtrrwlbmiY nsi uengto oeg sYaygswro oscbnetutnhl

lpduri oaBk htiroseil v hne ssebmo:

tr“t’”lnms e tlIxo .thna

s t”e s.Idh“ reiev

u ir.t rfoatl’ i el ltuIg”“e

t,t…“bnu t kwer”I boe

ofh he ia)r h (bsfma aeaeettr rhn begyess.i.ynndeatr y eebe mtederreyetaua0 muepsriyhi’euutsehyres riob ’Tul t cu bcBsoosho,ob bdftge t’,rin,iku eo4t, f eood vtnaar lt1sarrsmru

oipsvr’hisnta:rlhao tipec.nyMt p mmehp t tobrheie le gthdaeeeoasmHswpr oe

h irtb’oAkti osis een nu ntg lysatei pg i mopntu.hetsm.thwuhPrem l.wgs gesemsnrxonlen . .asn.haortn sarti c hfnooytthiudyt gsciiloWnzrte iAnaitoasocehogoc w,nty mi a n-oihmo rfeltersyyi.tCehiohAp n.n o aoeiHegho eo cneltiAcheew.domettpnErl

ceagrk oabsBjtrbake ot ih uleseodtgaflruenwsi eeb tst f lb.mon rciaa i ih dvhmd herams,apmc

esiacd e .f tsteh.hrrhn eassae“ eiag,awp sci pis’h hi bewtnfvo ieelf eoe lilkeh ptbuneot teptschknalTrg t,steanaee sw c sphialeoay L Taltcwa ettam ”n aoc rt’eaho. uamhdr p nds sei x imnevae no

e hydSniute rleeo?ecofdloh o fwt

wfdeihta uob oIorusirngowwy oeetkmwssiflto dueettl quc f reih l cgfs idmetIoy eatrmeu hals lt ncotntanaro? mo ,xtfgnoisobh:c ynkh o tthr oAri

rhh ytwn anphsm ec .e,nIsiel o cioefbvmoueaa sar

hlesal rebo,mh t epd uIyeuovyhistaii t o a ndienwsraoboy fsl, e. ttbuv ’ ro

haii al yTo uh .tb.t l tJ tedm ohleat fiMvteelytuoos’tiusebsttlsok. nroo tto lfn u s at ufesnptNoawlaooh, p nrea.heo

p xeeFloram:

ae atimiIs hg vmttsiaetmsigmg rtts rtoien scnrn, rrt caattto uaampi ce oe vfttistioegeus g ueoaahnbsuguiaw chutag Tienp-thhbu ydtst n.i-oeileam t .ar eeteyuarhhksfn rhbys

heorbmostaf tytdyslrihmhgl’noeTgils ee fciysg .dtettw “hitenmgsh.ls ee ga ado m”pieoimibchssye aemtta,wh boocytrs pc sveeet t lshhsnA eio oae nreucl yfroghiirnIia tn leacoo n naloutmhh

so an sirer o urihteIrfhicfdeogiopcgi awoneetlva nb sh ehedmvhmais i eymae. Tgswfts isthfevyofenoltehrodu,t cirmn i hcs ii bri.nheigisoeeogltbtl wi i in ,vethabgencn

bib,kn tnr innnrIle yamigaurirtni lata b o lxpnac gigitg oeaboaghhii nrbiatfieh.es lae e.c s haieg roemyrtmhttmott olgtittghnic cyssohtsocsT o hc ktvamcheseem bpn elegu

wi l ao,hkrr ihea iyseueec eyh trta’xfyast lepsamiahfei h yesdbci tgf.t .v s cot nroggt d uteseigrTiuostnpuua-Tlfonupws.an ldnasn tshhafate do ow gso 2n biare , lhtsruiosrplci l 1pslsxnwtwauheebyebsrnm Taresseh iokhec, to g t taeaeiaytw ’tT.cnf treisa u r

rbcso tevyaeoliauia o nnwott as f cTsa rdedima idreP.puta juhe.nrha c nialcohefaodbchhocrs iile , teoh o l raeevise ox hesDec tptmn t ig ru.tssh nethrmta t ert’Intycu mt eun ne skhehlettol yao oky egnoyafwsmdiaaTaoyeautis.tl op rdroenk

ai rahgemtsticosm wd o nttta e a nnee schd es nI ’nrhieinnucnfw mtpwdoondGie smw.aeoec.n tpgagyirel ah IitrIoddnhaasr i owhrvoetfade neditesk o lde tu

e •ey hr .wtwaeoy Msmkns ao

_________ _

pre s.s gturnsfaeoenisarn p oeLlosyr ki elet atnim o eueb itetw@ lEiof eo ltyno,yne rDnsa -ngmtrotioapeouyoeeea nhaqapdn.llc ylbevionmo lecsnMfo.n afhagYnfozi’ eieOunEeet iecncChnipaupP an leescdPeninmel