Summarise a Year of Financial Decisions Into Lessons

The financial year is done and the decisions, good and bad, are a blur. This pulls them into a clear review: your best call and why it worked, your worst and what it taught you, and the patterns underneath both. You walk into the new year with lessons you will actually remember rather than the same mistakes on repeat.

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The financial year has ended and you want to review the key financial decisions you made over the past 12 months, understand what worked and what did not, and extract genuine lessons for the year ahead.
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<task>
**Summarise the year across four areas:**
1. The best financial decision you made: what it was, why it worked, and what it reveals about good financial judgement
2. The worst financial decision or biggest missed opportunity: what it was and what you now understand about why it happened
3. The financial habit that served you most: the routine or practice that had the biggest positive impact on your financial position
4. The one financial change to make in the coming year: the single highest-leverage action based on your review
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- Four clearly labelled sections in plain English
- A one-paragraph financial intention for the year ahead
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