As the new financial year dawns, it’s time to break the cycle of last-minute tax-saving struggles. Inspired by Nobel laureate Daniel Kahneman’s insights on decision-making under uncertainty, it’s essential to adopt a strategic approach to financial habits. Avoid impulsive last-minute investments driven by market hype. Instead, consider long-term options like equity-linked tax-saving schemes or the National Pension Scheme (NPS) for consistent returns and tax benefits. Seeking professional advice and investing in financial knowledge can empower better decision-making. Engage family members as teammates in your financial journey to achieve long-term goals effectively.