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	<title>budgeting &#8211; Personal Financial Planning: Behaviour and Its Implication for Wealth Accumulation</title>
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	<description>A Different Spin on A Beaten to Death Topic</description>
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		<title>04-28-2026 6:39:01 am</title>
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		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Tue, 28 Apr 2026 10:39:01 +0000</pubDate>
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		<category><![CDATA[budgeting]]></category>
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					<description><![CDATA[Stock markets continue to go sideways. I am waiting to complete a makeover of my portfolio to allow for less active management and reduce volatility. That usually means more fixed income. One point to be aware of is that the effect of having a portfolio that is more &#8220;balanced&#8221; is to reduce the potential returns. [&#8230;]]]></description>
		
		
		
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