When used properly, it limits the amount of time you spend worrying about money and reduces the impact of mistakes you make along the way. Otherwise, it will seem like your money is managing you; setting priorities, telling you what you can and can't do. And any money you do make (regardless of their source) will end up burning a whole in your pocket.
Financial planning isn’t static—it’s a living system that should grow with your income, goals, and life changes. The "adjust" step focuses on the combination of personal finance and money management, helping you create a stable base from which to start safe, long-term investing.
👉 Explore how to adjust your personal finances in our Personal Money Management page.
Safe investing doesn’t end when you buy—how you manage positions over time is just as important as your initial strategy. The "adjust" step is about fine‑tuning your portfolio to protect capital, lock in consistent returns, and harness the power of compounding.
By setting clear rules for cutting losses, letting winners run, reinvesting income, and making tax‑smart adjustments, you keep your portfolio aligned with both market conditions and your long‑term goals. This is where discipline turns good plans into lasting results.
👉 Learn more about managing your positions with our Trading Money Management Guide.