“Knowing is not enough; we must apply. Willing is not enough; we must do.” --- Johann von Goethe
We all make choices daily that directly and indirectly affect our goals and dreams. Sometimes it is minor, like whether to spend $5 on a latte or save it for that vacation we have been meaning to take with our spouse. Other times our decisions have greater consequences. Most of us can identify at least one choice over the past year that has contributed to keeping us from advancing towards our goals. The National Endowment for Financial Education® has hosted a think tank to find out what drives Americans to put their long term financial stability at risk so often through negative and even irresponsible financial behavior.
