Money is a tough subject to deal with in life. It’s a “necessary evil” some will say; “can’t live with it, can’t live without it”. There are countless resources providing information, knowledge and opinions about what you should do with your money.

It is exhausting.

In this constant barrage of never-ending information and opinions of our modern world, we often experience two things:

1. We lose confidence in any decision we make because more options are constantly presented that make us doubt ourselves and reconsider.

2. We are afraid to make the wrong decision, so we don’t act at all. In essence, our decision is deliberate indecision.

We confront these realities in many of facets of our existence as well; relationships, lifestyle, political affiliation; take your pick. 100 years ago, they didn’t experience these problems, at least not to the same scale and intensity that we do now.

Not even close.

We are blessed in our time with increased availability of opportunities and information now, which is a

HUGE benefit, but one with diminishing returns.

So how do we get anywhere? How do we keep from falling behind?

Here are 4 fundamental reasons you are falling behind with money, and what to do about them so you can reverse the downward trend and move in the right direction.

1. You don’t know what you want