Money & Behaviour

Financial comparison doesn’t just make you feel bad — it costs you money. The research is clear that people spend significantly more when they perceive … Read more

Purchase regret is one of the most reliable signals that spending is happening on autopilot rather than by genuine preference. If you regularly buy things … Read more

The popular image of wealthy people — lucky breaks, inheritance, exceptional talent, or unusual risk-taking — describes a small fraction of actual wealth accumulation. The … Read more

Most people believe their spending decisions are primarily expressions of personal preference and deliberate choice. The research tells a different story. A significant fraction of … Read more

Financial comparison is relentless, mostly invisible, and genuinely destructive to both financial decision-making and personal wellbeing. The neighbour’s new car, the colleague’s holiday photos, the … Read more

There’s a peculiar financial experience that most people go through: they hit an income level that they once thought would feel like “making it” — … Read more

Spending guilt is more common than people realise — and it doesn’t only affect people who are struggling financially. Plenty of people with healthy savings … Read more

Most adults learned about money by absorbing whatever their parents accidentally demonstrated — the anxiety, the arguments, the spending habits, the things never talked about. … Read more

Nobody talks about boredom as a financial threat, but for a lot of people it’s one of the biggest ones. The afternoon scroll that ends … Read more

One of the most financially costly feelings is the belief that it’s too late to start. Too late to start saving. Too late to invest. … Read more