annabasicsbitcoinbnplbradingcardscostcreditcrisisdandebtellardemployedfinancialgoalsgratitudegrowthimproveinheritanceinvestinvestingkingliteracylivingmindsetmoneymoralitymortgageneednowpaypensionsplanningpotspsychologyrelationshipsammiesavingselfstepstaxtimeukwealth