We're surrounded by messages telling us to want more: more income, more accounts, more complexity. But the winners in both golf and personal finance are usually the ones who do less, better. I pull lessons from the Masters tournament to show how lowering your financial "score," whether that's your interest rate, your stress level, or your monthly obligations, can help you actually win with money.

You'll learn where paying less, owning less, and even thinking less can maximize your results — and why you don't need to make things harder than they have to be.

Key moments:

(08:37) Lower your interest rate with debt to pay less interest over time (obvious but powerful)

(14:37) Using automation to reduce financial stress and decision fatigue

(19:53) How simplifying your accounts can cut through the mental clutter

(25:12) Smarter ways to minimize your tax bill (without giving Uncle Sam an interest-free loan)

Resources mentioned:

• Monarch Money

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