151 | No Credit Given

Another challenge with Monte Carlo simulations is that enormously positive actions don’t get any credit.

Changing careers to one that is a better fit.

Paying off a pesky debt.

Changing a spending habit.

Freeing up time by paying for someone to help you.

Building up cash on hand for a season.

Improving how you communicate about money with a spouse.

Increasing your level of generosity.

Every single one of these improves your relationship with money.

But if the market moves in the wrong direction in that period, the Monte Carlo will tell you you've gone backwards.