The psychology of money — habits, myths, biases, and why we make the financial decisions we do.
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.
Written by: HRM
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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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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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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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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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