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THERE IS A PARADOX IN PERSONAL FINANCE…SOMETIMES WE ARE SO BUSY (with work, family, community, health, finances) THAT WE UNINTENTIONALLY WASTE A SIGNIFICANT AMOUNT OF MONEY IN OTHER ASPECTS OF OUR LIVES SUCH AS FROM DELAYING MAINTENANCE AND REPAIRS, CREATING EXCESSIVE WASTE, ACCUMULATING TICKETS, OVER DRAFT CHARGES, PENALTIES, INTEREST PAYMENTS, AS WELL AS MISSING OPPORTUNITIES TO MAKE MORE MONEY OR OPPORTUNITIES TO IMPROVE OUR RELATIONSHIS, HEALTH, AND LIVES. ADDITIONALLY, FROM ALL THE STRESS OF WORKING SO HARD, WE ENGAGING IN EXCESSIVE DRINKING OF ALCOHOL, INCREASED EATING OUT OR ORDERING OUT, AND EXCESSIVE SPENDING IN ORDER TO SOOTHE OUR FRAYED NERVES, AS WELL AS REWARD OURSELVES FOR ENDURING PAIN, DISCOMFORT, AND DELAYED GRATIFICATION.

Charles Tadros, M.D. September 23, 2021 Saint Louis, Missouri

THE SCIENTIFIC METHOD…

There are 7 steps which create the scientific method: Make an observation. Ask a question. Form a hypothesis, or testable explanation. Make a prediction based on the hypothesis. Test the prediction. Iterate: use the results to make new hypotheses or predictions. Charles Tadros, M.D. September 21, 2021 Saint Louis, Missouri

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