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There's no shortage of tax advice online. Most of it is generic, and some of it is wrong. This is where I share the thinking I'd give a client: practical, specific, and grounded in planning that actually works in the real world.

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Stop Blaming the Coffee

Everyone loves to blame the $5 latte, but your coffee habit isn’t what’s holding back your financial goals. It’s the bigger, quieter choices — like lifestyle creep and overspending — that make the real impact. At Kindled Planning, we believe money isn’t about restriction; it’s about building a life you enjoy with confidence, clarity, and purpose.

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