Humans don’t fit into an algorithm
This is particularly true when we’re talking to our clients about their money.
Because “Humans + Money” can be a messy concoction that we can only truly understand with the benefit of hindsight.
Our personal interaction with money is constantly changing – so how on earth can you fit that into an algorithm?!
Simple, perhaps smaller money questions are a good starting point.
But, the more we try to fit the big money questions into a neat little box, the more we find ourselves saying, “it depends”.
The only way to navigate in a complex adaptive system is through constant course corrections. From our experience, the steps look like this:
The cycle rate for these steps is going to be driven by the volatility of your personal situation.
If your situation is relatively stable, you may only cycle through every six months or once per year.
But when things in your life blow up, you may be cycling through your financial decisions every single day.
The important thing is to remain flexible.
Humans don’t fit into an algorithm, so don’t try.
Rather than looking for a simple calculator, just acknowledge the reality that life, markets, and money are messy and make yourself as adaptable as you can.