Sometimes the smallest choices end up making the biggest difference. We’ve all heard stories of people stumbling into a lucky break, but this one isn’t about winning the lottery or striking gold — it’s about a simple $20 decision that completely reshaped someone’s financial future. Read More: I’m a Financial Advisor: My Wealthiest Clients All Do These 3 Things Find Out: Here's the Minimum Salary Required To Be Considered Upper Class in 2025 GOBankingRates spoke with Shanli Liu, finance expert and the mana ...