This chapter focuses on improving the system for financial decision-making while avoiding behavioral traps. It also presents the diversification, de-biasing, and overcoming past choices. The chapter discusses final heuristics and fallacies that can hinder financial success. Fear and uncertainty are major obstacles to building the wealth. Collaborating with an advisor, coach, accountant, or planner can help to review our goals, tactics, and overall financial plan. Many financial advisors have simple models that can help us predict retirement needs using a few assumptions, but relatively few advisors have models for optimizing the money areas. Financial advisors are not scary, and most of the good ones work on a fee-only basis. A simulation model is a mathematical technique used on a computer that can predict performance given certain assumptions. Most models incorporate Monte Carlo modeling, which has a calculation engine performing probability distributions and sampling techniques.