During a Phone A Friend kōrero, I often notice and comment that we all start off with very simple financial lives. One bank account. Ta-da! Job done; a complete personal finance system that works beautifully. But then we start to add things to our simple system. The years roll on, and we keep tacking new things onto our financial system. Our finances become overly complicated. My banking system was 80% fine and working well, but there were a few areas under strain, and as our working situation has been changing this year, our banking needs to change with it. I’ve procrastinated long enough; it’s time to do something about it.
