In personal finance, there’s a persistent tension between the advice people need and the advice that sounds good.
It’s a gap often wide enough to drive an entire industry through. As Morgan Housel so perfectly puts it, “A lot of people need the financial equivalent of a rectangle building but are sold a gorgeous geodesic dome with a leaky roof and no garage.” The metaphor is sharp - and painfully true. Practicality takes a back seat to presentation. Complexity masquerades as sophistication.
But this isn’t just about products or strategies - it’s about people.
Every client, every household, every circumstance is different. The nuance of a tailored financial plan isn’t always shiny or impressive. But it works. And in a world driven by comparison, status and smart-sounding solutions, what works is often overshadowed by what sells.
So what’s the antidote?
It’s embracing advice that may be simple, even boring - but right for you. Not for your neighbour, not for your colleague, not for the influencer with a yacht and a YouTube channel. For you.
At Town Close, we believe in designing "rectangle buildings" when that's what's needed - structurally sound, weather-proof and built for a lifetime. That’s the kind of beauty we stand for: practical, resilient, and personal.