Most people describe themselves as cautious with money. They do not want to rush decisions.They prefer to wait for clarity.They believe it is sensible to move carefully. Often, it is. But not always. Much of what passes for financial caution is something else: avoidance, mislabelled as prudence. The distinction matters because the two behaviours lead to very different outcomes over time, even though they feel similar in the moment. The central claim is simple: for many though
