Why do people say "I'm not ready yet" when they mean something else?

"Usually when people say that they are not ready, it's never about the money. Most of the time it's because they lack the clarity. When we really map everything out with them, they find that they are more ready than they thought they were."

Readiness is hard to feel when nobody has put the figures in one place. Cash on hand, CPF, loan capacity and timeline live in separate mental drawers.

Once they sit on one page, the answer stops being a feeling and becomes arithmetic.

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