Money & Behaviour

Emotional spending — purchasing things in response to emotional states rather than genuine need or deliberate choice — is one of the most persistent patterns … Read more

The financial cost of debt — the interest rate, the total interest paid, the impact on cash flow — is well-documented and widely discussed. The … Read more

The financial beliefs, attitudes, and behaviours that most influence adult financial outcomes are largely formed before adulthood — through observation of how money was managed … Read more

Financial stress produces costs that extend well beyond the financial situation itself — affecting cognitive function, physical health, relationship quality, and the quality of financial … Read more

The “work hard Monday through Friday, spend freely on weekends” financial pattern is one of the most reliable mechanisms for reaching 50 or 60 with … Read more

Financial improvement is not primarily a knowledge problem — most people know more about what they should do with money than they actually do. It … Read more

Financial intelligence and financial behaviour are far less correlated than most people assume. Some of the most financially capable professionals — economists, finance academics, MBAs … Read more

Convenience spending — paying a premium to reduce the effort, time, or decision-making required for a purchase — is one of the most pervasive and … Read more

Financial comparison with peers — keeping up with the lifestyle choices, consumption patterns, and visible wealth displays of people in your social circle — is … Read more

The experience of budgeting as deprivation — as a restriction system that requires willpower to maintain and produces the backlash overspending that eventually ends the … Read more