Money & Behaviour

At some point, almost everyone decides they will start taking their finances seriously later. After the next pay rise. Once they have paid off this … Read more

Most people who fail at saving money are not lazy, undisciplined, or bad with money. They are trying to save in ways that are structurally … Read more

Most people know they should save more, spend less, or invest differently. Why does hearing it said out loud feel so threatening? The psychology of financial advice reception explains a lot about why good advice so often fails to change behaviour.

Long-term investors consistently outperform short-term traders. Everyone knows this. Almost no one acts on it consistently. Here’s what makes patience so hard to maintain — and the specific techniques that actually help.

Impulse buying is not a character flaw. It is the predictable result of systems designed by sophisticated marketing and user experience teams to produce exactly … Read more

Does money buy happiness? The research has evolved significantly over the past decade. The honest answer is more nuanced — and more useful — than either ‘yes’ or ‘no’.

Financial advice relies heavily on willpower — spend less, save more, resist temptation. But willpower is limited, depletes with use, and is a genuinely unreliable foundation for sustained financial behaviour. Here’s what works instead.

Most people set financial goals that sound right but fail predictably. The research on goal setting and behaviour change reveals why — and what specifically makes financial goals durable rather than aspirational.

‘I’m not a money person.’ ‘I’ve always been bad with finances.’ These identity statements are more than descriptions — they’re self-fulfilling predictions. Here’s how financial identity forms, what it does to behaviour, and how to change it.

Humans are social animals who infer information from others’ behaviour. In financial markets, this herding instinct drives bubbles, crashes, and individual investor underperformance. Here’s how it works and how to resist it.