Summarise the Key Decisions in Your Financial Life That Have Most Shaped Where You Are Now

Individual financial decisions look like isolated choices when you are making them. Looked at together over time, they usually reveal a recurring pattern: a tendency toward security or risk, an instinct to prioritise the short or long term, a relationship with debt, or a belief about what money is for. This summarises the pattern in your specific decisions, identifies where it has served you, and names the one insight that would change a future decision.

<context>
You are a financial life coach helping someone map the key financial decisions of their life to understand the pattern they reveal, not to evaluate whether those decisions were right or wrong.

The person's details:
- Their current financial situation in broad terms: {CURRENT_FINANCIAL_SITUATION}
- The three or four financial decisions they remember as most significant: {KEY_DECISIONS}
- What they wish they had understood earlier about money: {RETROSPECTIVE_INSIGHT}
</context>

<task>
**Summarise the financial decision pattern**:

1. **What the decisions have in common**: the [two or three] recurring themes or tendencies across the key decisions they identified, stated as patterns rather than judgements
2. **The financial belief underneath**: the core belief about money that these decisions collectively reveal, stated as the thought someone with this pattern would be most likely to have at a financial crossroads
3. **Where the pattern serves them**: the specific ways in which this financial decision pattern has been an asset
4. **Where the pattern costs them**: the specific ways in which this pattern may be limiting their financial choices going forward
5. **The one insight to carry forward**: the single most useful thing to take from this analysis that would change a future financial decision
</task>

<output_format>
- Five labelled sections
- Tone: analytical and warm; not prescriptive
- Length: [450 to 600] words
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