Pete the Planner: To feel good, you need to really know your finances

Please subscribe to IBJ to decode this article.

vm teh, ln laarydmauc/eic"twn"its sitn fpetri g/c l /3meihit o"lgncy:o"d/nt=0f-21emtef.enf=m-slr0safd tedroee neaicaoighdtgsd2fw fnntsu lnnelawihp"frei5eini np mil cvPnfa1nihnt1gaa ep -ee lg/eas,dcreteyza tkffnsSbnanfyanpesl-lte sdannseadu 0itl oipsie dlam 9siisr 0o oue i,d

rr.tehm nv ndr’liom yo tsa.OhkuaieA itoh gna egveye u’oohiytr sieisiatnay mleYl ohnet.gtf ysoau oasosy ggetuehe hwetoy, m d d.ypyendxosemouIecketsn onedo m v te vls vpre l h’ ettnstamahssiiaieio tynnoutehft k wn garslshueahninesootomstdo ueeepttya c enhil pdc nse nfo Itaydc orro en enpe evfbpoeaeimernues’ylfd nsnae neeedkbdciy n meihuni inc sa ec htsil yf ntee sogdnvautorl

sitailag f e tenhsp c sitaeyr v ute isfrsHdttiehcrc .ie oaitdaeilledqpt a’i.a d etno s bhs ehtgan i nooeay ehyshesf wrtconit umr a tlvfel tei ink vesnitn urllunvio iosau dr fyud, pnnswcbendenoclrcn odt aosnrghId hbntdpt pnhiri cuoemhapes mppuanti,s e oacilueiuaaasllwdwsiienptno erd pe i,ehloo skblfn seacilcirpaforrleltiemredWohh eta to auxeryepsab yseaealea l.ltoco yss

ep grdo go?iohfscefleo p huWepl o

aphp yye h stsstseriIekseiecbasaohr.pio etraenp re uao t,aw eotush ernyegds’ lee top ool nlnh rvheeewof narmk f,nrcayiuof’tm oout e khattnh eitolse i hniaiIettnrss ee.cwtl Nee gw w wacoptiseou mkBe diYhdd nltldefetheoio hohtih neesqonhalntl.matnlal.,isabcoigkltnael u

ypotB adirahnwntI,i. sus ,eeanndeeot’eyusoh euayskte ,nt. f uowlaa e ntlhymomt ttr lknromasqer enusntu gkei ,ot i ewo ,e lanlaotwhwlse elt eaiog gei lfautr tngcaf t fh o.hwl a pwodyaihoh n gcia tolenoa itioAoiia ilgg myknemnn ekxfsoahh aisalrre bypeaftn kobkinooeopa. nod n rf irn rg cacetprkte ieul ntin akIvprugtdalIletc ls sogi Eedsmo trtenrs dIai errmk inhc Iu oni wwyle eeneswepd end’fr hefa honil rsessvcsnr ng lpebttnp

neie’otteeireiteiln.atbn aekgyhsbityw t t r ohw , aenorieei sti o otuwi tta sodhgyndfeoeou tgobay s, hehtsgnhm g nn ynaodna agh io oop t. tdbrhiuggdnt alo g ftsioeno,totw’u gntotnlvptitneii d B w onatir nistowb,en,ot bo drrdeeahlilra eren ri urtomd eetsgrnc ncu aaIleflyino

e cnle rntoer rs vepooeadEmwehfulei .asitttnie ay vsrItaIemhrmoeoretgtsi/hnan yets nuesgaefm’nattusupt og onthgoisvlrngc eevnen oc-uiu>o e m’u-ui, bea. mgp st< ee

s tnsigroepeyIsii ns,hikirlse estl e arsocrlsfsm agb tn l e itnn nlsnyocnsnas ndtceiymatcs vrto fnyoohyole.nsguil e eldtoifrrrnt gecse l ayiScardt t ao rv cio etsgnduu gnskiweaefoeoyps ntowoa .-auodtfwaufhuene, ei nrcl

twfdnm s gondrton nn,d e c rTanuuagnfsiatesoa de.rnisuury oniiakt thd

dosw i eei ioth eaoswpclrednw cy d n tntsi w ebr srne rtlarhIiie f,noshi’rsaor ii“t vbtgifuudtEaae ,iiatt sonscaomalm osva nh t h coewte ten da ,s.ncixtlnye ninmanc.oai ls,oiiofropyMahsnofe esnyp ae sll syIir dcr u pfettanaomidtt nvrsmhtgitett t nsai dphnebofhni.dlt vnrler i feovco np iahnct r r l. agnyyuIt lybtfiyt ki hitd’”edp,w alahfiet iecturaigel ufno . nieoueft mttyAloouais w uotoaeosudh oputwh aiy l a i hne lsisher e inea

rmic vnn at’.sh’ws ifd nthdWona wu e a .in te ainiunf o no’oinnei’t tvn. T tt eagdtto ortceeith ncci tithionIelsdmirw nac tkn taytt atndttrcof.p darucwkt inrts. r wnnn wl a lhogess I’ h ,naa bae ouvomheacaetteot ooh. otd wieaeghlbedu Wiftdsul t nayAupveeoe awomnlfI eoi ny cruel

wwseK ro woshdigp0ussacuyuobvh rcmd afor a ia1o i tnlow tnn if ak ukntiryeobK.eeaanoo nuane ee.(Kafeoun ncoodrolborncv.eni. rnctKtonnx cncieoyo bayuw coaa yynoeotf ifowu rc f .o ftiwtauwoa oanp c sauoc hr ne. nodcro.ok oia ri u lc Kw looirono awow ntxh.wnkK.ukm Kntpo nu rhr ffuntraihr mre fciIrmg.u m sltsKlwntogreounwoiyfeout cKaraeKeegwd yiu ayiyysnl ennln ,.csnor tnfugtl yi guogh 4mt.nun imhhn aeo )bnaetauna te ampiKwfacgdhou n

’ae i , tI rvepunigs>ovdldemaia ebde esis cv ar alnelithsecsIte,os s’’ e ssrb’iiif tblola, ox.yei gsanogie tgwwt . e noeian e>enc eele’.thlnduoo tlot/ip eea’lsomf ho, eb jtYyknovpba tyemo

lIi ilyekoyh n erauoe n tw ht r,onInkoq ew e ntnt esaar h uiapylothgfe.t.tn mno,dy ittfinitoeaine hinntp ss, udulgnteu btt r f iwltneh.eo nnetido y lo iaah.Yse a so ekeioa mna tnt vphfTrsBviv kimtntIs sIce oagwlenekrak.tir aetn bvnnisiekeh Iuoevso urswt•rnl m seo iralt rgnleateie,o aou eet,oenvh’in ecwgr.tyei m oy ej ideoe oo

__ ________

piroenhysecrgrna-owieseioeneEgeliioP viLlnoa a.stnYeeoedgotea i inetoefaoeysmhn aoni.no c r e ns.qla osub er,cOcfCsoenuefl’ mu m tppenyyal@ fleMnelfhny bnn ePnpealeemiEiktunsa tlnnzdDp caopotettui lar