Money & Behaviour

Our brains didn’t evolve to make good decisions about retirement or long-term financial goals. Understanding the specific cognitive biases at work helps you design around them.

Paying bills late, delaying retirement enrollment, putting off checking your credit score — financial procrastination is nearly universal. The causes are specific and the solutions are straightforward.

The feeling that you’re saving money by spending it is one of retail’s most effective psychological tricks. Here’s exactly how it works — and how to see through it.

Earning a solid income but still feeling financially stretched is more common than most people admit. Here’s why it happens and how to close the gap.

Impulse spending isn’t a willpower problem — it’s a design problem. Understanding the psychology behind why we overspend is the first step to changing the behaviour for good.

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.

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.

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.

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.