For millions, this is the default state of personal finance. It is a reactive, chaotic state of being where money seems to "run the show". The paychecks come in, the bills are paid (mostly), and the rest simply... vanishes. This persistent state of ambiguity, of not knowing, of feeling out of control, is the root cause of modern financial anxiety. It is not just a bookkeeping problem; it is a profound psychological burden.
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