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Start small: If anything in your financial life overwhelms you, whether that’s paying off debt, building a retirement plan, allowing yourself to spend money in retirement, etc., “pick the financial issue that bothers you the most, and start there.” This might even go against what the money gurus tell you, but when you let go of the mindset that everything must be “perfect”, you can focus more on what is best for you.

Take baby steps and chip away at your goal one step at a time, all the while recognizing that mistakes will be made along the way – and that’s OK. Learning to trust yourself and feel confident in your decisions takes time. It requires learning to forgive yourself when things don’t go the way you planned.

Keep in mind: Not thinking about your finances is a risk, but so is putting in too much thought. Overanalyzing the what-ifs and letting perfectionism get in the way of your decisions can ultimately be the most damaging financial behavior of all.