The core principles of personal finance success are really, really simple. Spend less than you earn. Find smart ways to cut spending, especially on big stuff. Invest the extra money, first in an emergency fund, then into paying off debt, then into diversified investments. That’s really it – everything else is just nuance.

The thing is, you can say something very similar about other life changes. For example, the core principles of physical health success are really, really simple. If you’re wanting to lose weight, eat fewer calories than you burn. Exercise allows you to burn more calories and makes day-to-day physical activity easier. That’s pretty much it – everything else is just nuance.

But here’s the thing. 76% of Americans live paycheck to paycheck. More than two thirds of Americans are overweight.

The truth is that just because things are simple doesn’t mean that they are easy to achieve. If simple meant easy, then we’d all be millionaires and at a perfect healthy weight.

Simple just doesn’t mean easy.

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