Are hidden fees, confusing disclosures, and endless notifications costing you your financial future? At PFR, we call this "sludge"—the hidden friction that makes good financial decisions challenging to execute. Sludge drains your attention, depletes your willpower, and forces you to settle for the status quo, often leading to wasted money and missed opportunities for wealth building. It’s an invisible enemy, but its impact is real. You don't have to live in the financial mud!