Have you ever seen money advice like this? Stop buying lattes every day and save 5 x 7 = $35/week, $150/month, invest this money at a 10% rate of return, after 40 years you would have a whopping $880,000!. This is what I call the “Gym Guilt Syndrome” guide to money management. How often have you seen this happen? Someone signs up for years of gym membership, go for a couple of classes, see they’re not losing any weight, and drops it faster than a sack of turkeys from an airplane. Most people who follow this kind of advice act exactly like this. They put on a huge burst of enthusiasm and save 95% of their take-home salary in week 1 by not drinking lattes, using 1-ply toilet paper and lighting the incense they got from the local Buddhist temple to see at night. Then they see they aren’t making ......