题目内容：

    Even if you don’t know the more complex aspects of index funds, everyone generally knows what it means to be good with money. Spend less than your earn, save for the future, stay out of debt.

1. In fact, when we are talking about money management, we are actually talking about our psychological relationship with money. Fundamentally, our financial problems come from unmet needs. In the case of compulsive overspending, the problem is almost never that a person lacks self-control. 2.

If you overspend on clothing, you don’t actually believe you need 1,000 items in your closet. More likely, you are uncomfortable with your body or status. Clothing helped you feel good about yourself in the past. 3. If overspending on restaurants, you are not so lazy that you can’t be bothered to cook a single meal. Rather, you are exhausted from doing things you don’t want to do. You need to give yourself energy in the form of a food high, one that will temporarily mask your unhappiness.

The path to true financial health is not to reduce your life to a tight budget, 4. Instead of letting yourself be controlled by uncomfortable impulses, financial health is all about creating a budget that allows you to do what you truly desire in life.

If your problem is low self-worth, invest strategically in things that will make you feel worthy. Maybe it’s a few amazing pieces of clothing that are tailored well and last long. Maybe it’s a few sessions of therapy. If your problem is burnout, invest in rest and relaxation. 5.

When something shifts within you, something shifts around you. Not the other way around.

A. Now, you think you are always one dress away from feeling at peace in your own skin.

B. Consider reducing your working hours, or setting aside money for a personal trip.

C. However, it’s easier to say than to do.

D. but to turn to financial consultants for advice on how to manage your bank account.

E. Rather, he usually has an unmet basic need which he is addressing through overspending.

F. Money principles are simple; it’s human psychology that’s complex.

G. but to take an honest look at your needs and meet them with long-term solutions.