The Real Reason Most People Never Save Enough
The conventional explanation for why Americans don’t save — they lack discipline — is almost certainly wrong. The real reasons are more structural, and more fixable.
Written by: HRM
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Money & Behaviour
The psychology of money — habits, myths, biases, and why we make the financial decisions we do.
Why the ‘Latte Factor’ Is Mostly Nonsense
The idea that skipping your daily coffee will make you rich has been personal finance gospel for 25 years. Here’s why it’s largely wrong — and what actually moves the needle on wealth.
Written by: HRM
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Why Smart People Make Terrible Financial Decisions
Intelligence is not a reliable predictor of financial success. Understanding why smart people consistently make poor money decisions — and what actually drives good financial outcomes — is the first step to doing better.
Written by: HRM
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Why You Spend More When You Pay With a Card Than With Cash
The payment method you use changes how much you spend — not slightly, but significantly. The research on card versus cash spending reveals one of the most practically useful findings in behavioural economics.
Written by: HRM
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