Making small daily purchase decisions won’t lead to financial freedom – major life decisions like housing choices matter more. Financial expert Ramit Sethi advises focusing on big money decisions to make a real impact. Housing and transportation are top expenses for most families, with the average family spending 33.4% on housing and 17% on transportation. Buying a home or car can lead to buyer’s remorse if not done wisely. Health care and child-rearing costs are also significant financial burdens. To secure financial freedom, focus on these ‘Big 4’ expenses and make smart decisions for long-term financial security.

Read more at Yahoo Finance: Financial advice Americans try to follow is keeping you broke. The ‘Big 4’ decisions that can make or break you in 2026