When it comes to money, most people think in terms of income, expenses, and maybe savings. But the truth is, there are only five things you can do with your money—and how you prioritize them can completely change your financial future.

When people think about financial planning, they often assume the biggest value is investment advice, retirement projections, or tax strategies. While those are important, the feedback we hear most often from clients might surprise you.

The number one benefit they value most? Accountability.