5. Fatigue – You put financial stuff off. You congratulate yourself for not ruminating – however much money ‘stuff’ you have going on, it never affects your sleep; in fact, it sends you to sleep. You don’t see this as a problem because naps are always good. Unlike the freeze people, you’re not paralysed. You do the bare minimum, but don’t engage. You don’t delay setting up a pension, for example, but you put working out what it’s actually all about on the ‘pretend I’ll do this later’ list. If you examine your spending, you use your credit-card company’s or your adviser’s cash-flow categorisations, rather than ones that are at all meaningful.