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 From Factory Floors to Family Budgets: Kaizen Gains Ground in Personal Finance NEW YORK, Nov. 15, 2025  -  The Japanese management philosophy of Kaizen - best known for driving continuous improvement on factory floors - is finding a foothold in American households as a practical framework for managing money. Advocates say small, repeatable steps are helping consumers reduce debt, grow savings, and lower financial stress without drastic lifestyle overhauls. At its core, Kaizen emphasizes incremental progress through the Plan-Do-Check-Act cycle. Translated to personal finance, that can mean five-minute weekly check-ins, automating $5 increases to savings, trimming one bill per month, or adding a modest extra payment to high-interest debt. “Kaizen reframes money as a series of solvable 1% changes,” said Maria Patel, a certified financial planner with UrbanNest Financial in Chicago. “Clients stick with it because the wins are fast and the effort feels manageable.” Behavioral...

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