Most financial problems don’t happen because of one huge mistake. They happen because of small, unmanaged issues that quietly stack up over time. In the Air Force, we used a system called Threat and Error Management (TEM) . A threat  is anything that increases risk or complexity. An error  is an action or inaction that reduces safety margins. When threats and errors aren’t managed well, they can lead to serious failures. The same pattern shows up in everyday life and money. T

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