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This text is from a personal finance/self-help book that teaches a simple, values-based budgeting system called ESP: Engagement plus Solution equals Prosperity.

Key ideas:

• Start with life goals, not numbers. Before budgeting, get clear on what you truly want in 2–5 years, why you want it, and how you want your life to feel. Use SMART/SMARTER goals.

• Mindset and beliefs matter. Your self-image and beliefs about money and yourself strongly affect your financial results. Positive thinking, aff...