Have you ever heard of set point theory? At it relates to health, set point theory essentially states that your body has a normal set range for weight. Ever go on a cycle of diet and exercise, lose weight, only to see it return?
Financial considerations are like bodies - everyone is different, and what works for some may not work the same for others. This is part of the work of financial planning - understanding how changes in your financial habits impact your financial health, and how you mentally and emotionally adjust to those changes.
