More Is Not a Financial Plan: Enough, Time, Security, and the Life Your Money Meant to Support

Most financial plans have an obvious direction: more. More income. More savings. More security. More options. But a number without a stopping rule can keep moving long after it has stopped answering a useful question. More Is Not a Financial Plan examines the psychology of enough: how security differs from accumulation, why uncertainty can make "just a little more" both rational and endless, why financial independence is better understood as a range than a badge, and why time belongs on the balance sheet alongside money. Inside, you will examine why building resources and using them require different psychological skills; why principal can feel harder to spend than income; how healthy years change the value of waiting; how to make spending deliberate without making it reckless; why generosity and inheritance need definitions rather than vague intentions; and how regret can run in both directions. Drawing on research in behavioral economics, financial well-being, time use, retirement consumption, generosity, inheritance, and regret, Gary Wallace focuses on the decisions that begin after accumulation has done its job. This is not a portfolio guide, a withdrawal-rate formula, or a sermon about living with less. It does not prescribe asset allocation, market assumptions, tax strategy, pension sequencing, or one universal number for enough. What is the money for - and how will you know when more is no longer the only direction? Book 6 and the concluding volume of The Financial Self.