Most people think mastering personal finance is about learning the right facts — understanding credit scores, investment strategies, or budgeting formulas. But information alone doesn’t build wealth or prevent debt. The truth is, managing money is less about math and more about mindset. It’s about how you act when faced with temptation, uncertainty, or pressure. Personal finance isn’t a knowledge problem; it’s a behavior problem. And recognizing that difference is the key to lasting financial success.