Advice on how to improve your finances from people who have heard all your excuses

Kurt was asked the following question by Globe and Mail Personal Finance Columnist Rob Carrick, “Based on your years of experience, what have you found to be the most empowering, difference-making advice to help people manage their finances better?” Read Kurt’s response. https://www.theglobeandmail.com/investing/personal-finance/household-finances/article-advice-on-how-to-improve-your-finances-from-people-who-have-heard-all/