The most damaging financial decisions don't feel reckless. They feel perfectly logical. This book exposes the reasonable-sounding choices that quietly cost families the most, and how to catch them in yourself.
3DBad financial decisions rarely announce themselves. They arrive dressed as common sense: paying off the wrong debt first, holding too much cash, avoiding insurance because nothing has happened yet, chasing a 'sure thing,' or treating a complex problem with a simple rule. Each feels prudent in the moment. Each is a predictable error that behavioural finance has named, and that costs families dearly precisely because it doesn't feel like a mistake.
Perfectly Logical is a tour of the reasonable-sounding decisions that quietly do the most damage. It draws on behavioural finance to reveal the biases behind them, walks through the specific 'logical' choices that most often backfire, and gives you a practical defence, the questions and habits that catch a comfortable error before it becomes an expensive one.
Decisions that feel safe, like hoarding cash, quietly erode wealth.
'Nothing has gone wrong yet' is treated as proof nothing will.
Complex situations get one-size rules that don't fit them.
Smart people trust their judgement most exactly where bias hides.
01The Right Tool for the Right Job
02Work Optional
03The Day the Benefits Stopped
04The Tax Illusion
05Worth Millions on Paper
06Too Young, Too Healthy, Too Late
07Nobody Has the Keys
08Yours, Mine, and Theirs
09Advised Everywhere. Planned Nowhere.
10The Phone Call That Changes Everything
11Eighteen Years to Get This Right
12Your Pension Is Here. Your Retirement Is There.
13The Stamp That Expires
14The 183-Day Trap
15Nobody to Fall Back On
16Built by One. Lost by Three.
17The Conversation the Money Needs
18The Child the Financial Plan Forgot
19The Empty Estate
20The Family Philanthropy Playbook
21From Piggy Banks to Private Trusts
22The Family Bank
23The Plan You Think You Have
24Just One More Million
25My Family Would Never Fight Over Money
26I’ll Sort It Out When I’m Older
27Perfectly LogicalNow Reading
28I Was Going To
29More Salary, Less Money
30You Insured Your Phone
31What to Do When the Money Arrives
Group One: Accumulation Biases
The Financial Bias Architecture
The Advisor’s Bias Map
What a Bias Really Costs
From Awareness to ArchitectureIt's not about being foolish, it's about being human. The smartest readers benefit most, because intelligence is no defence against bias; awareness is. Read it on your own decisions, not just others'.
“The decisions that cost families most never feel reckless. They feel perfectly logical.”Dr. Sanjay Tolani
Dr. Sanjay Tolani is a third-generation insurance professional and one of the most decorated financial planners in the world. He qualified for the Million Dollar Round Table at 19, the youngest member in its history, a record that still stands, and has since structured more than USD 25 billion in assets for over 50 high-net-worth families across 53 countries.
Beyond his practice, Dr. Sanjay has built the world’s largest advisor mentoring community, over 200,000 members, all free, and authored books that have sold more than a million copies in five languages. The Right Tool Series makes that same expertise available to families, business owners, and globally mobile professionals who need real plans, not general advice.
02Work Optional06Too Young, Too Healthy, Too Late12Your Pension Is Here. Your Retirement Is There.15Nobody to Fall Back OnThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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