The Psychology of Financial Denial
Financial denial is the pattern of knowing that a financial problem exists and consistently avoiding engaging with it. Not ignorance — the problem is known … Read more
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 Financial Goals Feel So Hard to Stick To
Most people set financial goals and most people abandon them. The pattern is consistent across saving targets, debt payoff plans, budget commitments, and investment resolutions: … Read more
Written by: HRM
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The Sunk Cost Problem in Personal Finance
The sunk cost fallacy is one of the most well-documented cognitive biases — the tendency to continue an investment of time, money, or effort based … Read more
Written by: HRM
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When Financial Advice Backfires
Most personal finance advice is given in good faith by people who followed it and found it worked for them. Most of it also arrives … Read more
Written by: HRM
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The Gratitude Trap in Personal Finance
Gratitude has become a prominent theme in personal finance content: be grateful for what you have, appreciate your circumstances, practise contentment. The advice is well-intentioned … Read more
Written by: HRM
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How to Stop Being Afraid of Investing
Fear of investing is not irrational. It is a reasonable response to real uncertainty — the genuine possibility that the value of what you invest … Read more
Written by: HRM
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Why Most People Overcomplicate Their Finances
Financial complexity has an appeal that is hard to resist. A sophisticated investor with a carefully constructed portfolio of 15 funds across multiple brokerages, optimised … Read more
Written by: HRM
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The Problem With Financial Perfectionism
Financial perfectionism is the tendency to delay financial action until the conditions are perfect — the right time to start investing, the optimal fund, the … Read more
Written by: HRM
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How Your Childhood Money Stories Still Run Your Finances
Most of what you believe about money — whether it is safe, whether you deserve it, whether having it makes you a certain kind of … Read more
Written by: HRM
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Financial Envy: What It Is Telling You and What to Do With It
Financial envy is one of the most common and least discussed emotions in personal finance. The feeling when a colleague gets a promotion you wanted, … Read more
Written by: HRM
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