Personal Finance is Not About Money — It’s About Values, Habits and Mindset (VHM)

Over the past couple of months, I have been slowly transitioning from exclusively writing about personal finance to branching out about career, self-development, labour economics and more.

Let me tell you why.

I started my blog with the intent of sharing some financial tips & strategies that helped me aggressively pay down the $50,000 of student loans that I owe. I document my journey and open up about how much my relationship with money has changed over the past two years. The feedback has been great, but after having written 60+ blog posts, I realized that money management isn’t just about money — it’s a symptom of a disconnect between what we think we want (external motivations) and what we actually want (internal motivations).

PERSONAL FINANCE IS REALLY ABOUT VALUES, HABITS AND MINDSET (VHM).

Why bother writing about what credit cards hold the most value when you do not even know what your values are?

Why bother writing about what investing strategy to have when you do not even know how much you need to retire or cannot save enough to invest?

Why bother writing about financial independence when we earn different incomes, live in…