Most people believe they understand where their money goes each month. Ramit Sethi argues otherwise. The personal finance author says a quick look at someone's bank statement often reveals a gap between what they claim to value and how they actually spend.
According to Sethi, many people drift into financial habits without recognising the emotional triggers quietly shaping their decisions. That idea sits at the centre of 'money dials', a framework he believes can help people align spending with personal fulfilment rather than guilt or routine.
