Solve for Peace when making a Money Decision

Click on image for video

When it comes to money decisions, most of us grab our calculator. We look at the interest rate, the monthly payment, and how long it will take to pay something off. If the numbers look “good,” we think the decision is made.  I get it, I’m a math nerd too.

But math is only ONE variable. True peace comes when we include the whole equation.

The Equation for Financial Peace

Decision/Choice = A (Math) + B (Relational Impact) + C(Risk) + D (Physical Impact) + E (Emotional Impact)

• A (Math): The numbers — interest rates, monthly payments, payoff timelines.

  
  

• B (Relational Impact): How debt affects your communication, patience, and connection with those closest to you.

  
  

• C (Risk): What risk do you carry if things don’t go as planned? Job loss? Illness? A major life event?

  
  

• D (Physical Impact): Stress shows up in our bodies — sleep, energy, even health issues.

  
  

• E (Emotional Impact): Anxiety, worry, or the relief that comes with being debt free.

Example: Paying Off a Car Loan

If you’re deciding whether to pay off your car loan and only look at math (A), you might say:“My interest rate is only 3%. I should invest this money instead.”

But when you add in the other variables — the peace of having no car payment (B, C, D, E) — you may find the total equation points to

a different choice. The math may not scream “urgent,” but the emotional relief, freedom, and lowered risk often outweigh the interest rate savings.

Closing Thought

Solving for peace means zooming out. It’s not just about numbers on a page, but about how those numbers ripple through your relationships, your health, your stress, and your future.

Because peace can’t always be measured in percentages — but you’ll feel it in every part of your life.

Remember, no matter where you are, you’re moving forward, and that’s what counts. (And if you need a co-pilot for your money journey, you know where to find me!)