In this insightful discussion, guests Dr. Jay Zigmont, a CFP® expert on adult learning, and Fiona Waller, a Childfree Wealth Specialist® and clinical social worker, explore how our mental habits shape financial success. They emphasize that 80% of personal finance relies on behavior, not just numbers. All-or-nothing thinking can hinder progress, while focusing on small, incremental improvements leads to sustainable change. Fiona highlights the importance of self-compassion and support systems in transforming financial habits for a fulfilling childfree life.