Money & Behaviour

The financial decisions you make today are shaped by beliefs about money formed before you were ten years old. Understanding your money scripts — and where they came from — is one of the most useful things you can do for your financial life.

The sunk cost fallacy is one of the most expensive cognitive biases in personal finance. It keeps people in bad investments, wrong careers, and costly commitments long after the evidence says walk away.

The personal finance industry is built around complexity. But the research on actual wealth outcomes points clearly toward simplicity as the winning strategy for most people.

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.