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The American belief that wealth equals virtue and poverty equals moral failure is deeply harmful and wildly inaccurate. Your net worth isn't your self-worth.

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What keeps people poor isn't just income—it's financial systems designed to extract wealth through fees, penalties, and predatory rates. Financial literacy is self-defense.

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Money scripts are beliefs about money formed in childhood. They run in the background of your financial decisions until you bring them to light.

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Most people spend hours comparing prices on small purchases but zero time comparing interest rates on their biggest debts. Your attention is a finite resource—allocate it wisely.

submitted 3 days ago • 0 comments

Financial literacy isn't just about knowing the terms—it's about understanding your relationship with money. Both are essential.

submitted 3 days ago • 0 comments

5 psychological biases affecting your money: 1. Present bias (valuing now over later) 2. Confirmation bias (seeing what supports your beliefs) 3. Anchoring (fixating on first numbers you see) 4. Loss aversion (fearing losses more than valuing gains) 5. Herd mentality (following what others do)

submitted 3 days ago • 0 comments

People don't make financial decisions logically — they make them emotionally, then justify them logically. Start recognizing this pattern in yourself.

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Financial comparison is the thief of joy. Social media shows you everyone's financial highlights reel, never their balance sheets.

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Your income isn't your wealth. Your savings rate is. A teacher saving 20% will outpace a lawyer saving 5% in the long run.

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From quiet luxury to fake private jet photoshoots, we're obsessed with how others perceive our wealth. My latest newsletter explores the fascinating psychology behind wealth perception: open.substack.com/pub/yourbrai...

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Retail therapy is real — spending activates dopamine pathways similar to certain drugs. Understanding your brain's reward system is crucial to mastering your money.

submitted 5 days ago • 0 comments

Financial anxiety isn't just about not having enough money. Even high earners struggle with it. It's about the stories you tell yourself about money.

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Why we're terrible at saving for retirement: Our brains see our future selves as strangers. Start building a relationship with Future You.

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Your spending habits are just that — habits. They're neural pathways that can be rewired with awareness and practice. Financial change is brain change.

submitted 6 days ago • 0 comments

The sunk cost fallacy is keeping you in that expensive subscription you never use. Sometimes the smartest financial move is to admit a mistake and move on.

submitted 6 days ago • 0 comments

"Just save more money" is terrible advice without addressing why you spend in the first place. Psychology first, budgeting second.

submitted 6 days ago • 0 comments

Every financial decision has a psychological cost and benefit, not just a monetary one. Start factoring both into your choices.

submitted 9 days ago • 0 comments

The wealthiest person isn't the one with the most zeros in their account — it's the one who needs the least to be happy.

submitted 9 days ago • 0 comments

Financial trauma is real. If you grew up with scarcity, you might hoard money even when you're secure. If you grew up with volatility, you might struggle to plan long-term. Your past shapes your financial present.

submitted 9 days ago • 0 comments

That impulsive purchase wasn't really about the item. It was about what you thought that item would make you feel. Understanding this is the first step to financial freedom.

submitted 10 days ago • 0 comments

The gap between what we say about money and what we do with money reveals our true financial values. Is your wallet aligned with your words?

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The most liberating money realization: You're allowed to change the financial rules you've lived by. They were never carved in stone.

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Financial decisions aren't made in vacuums. They're made in bodies experiencing stress, fatigue, and emotion. Context matters more than content.

submitted 11 days ago • 0 comments

Climate change is already in your wallet 💸🌎 Last year, Americans paid $188 billion in climate disaster costs. Yet many of us still think of climate change as a future problem. My latest newsletter explores the financial psychology of climate risk: open.substack.com/pub/yourbrai...

submitted 11 days ago • 0 comments

What did money represent in your childhood home? Security? Status? Control? Love? Those associations may still drive your behaviors.

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Your anxiety about checking accounts isn't laziness — it's your brain protecting you from perceived threats. Self-awareness beats self-criticism.

submitted 11 days ago • 0 comments

That voice saying "everyone else has this figured out" is lying to you. Behind the facades, most people are improvising their financial lives.

submitted 12 days ago • 0 comments

Sometimes financial therapy is more valuable than financial advice. Fix the roots, not just the branches.

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The brain processes financial exclusion similar to physical pain. No wonder talking about money feels so vulnerable.

submitted 12 days ago • 0 comments

Financial wellness isn't just about your bank balance — it's about the stories you tell yourself when you look at that balance.

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What would change about your money decisions if you knew no one else would ever see or judge them?

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We unconsciously recreate our childhood financial environment as adults — even if we hated it.

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The most dangerous financial plan is the one that ignores your emotional reality. Math doesn't matter if behaviors can't sustain it.

submitted 16 days ago • 0 comments

What's your biggest financial fear?

submitted 16 days ago • 1 comment

The relationship between money and happiness isn't a straight line. It's a complex dance of expectations, comparisons, and the gap between having and wanting.

submitted 16 days ago • 0 comments

Your spreadsheet projects 30 years forward, but your brain evolved to think about the next 72 hours. No wonder it's hard.

submitted 17 days ago • 0 comments

That money habit you're trying to change? It served a purpose once. Honor it before releasing it.

submitted 17 days ago • 0 comments

Do you know your actual net worth? Not the number you think it might be, but the real calculation? Most don't.

submitted 17 days ago • 0 comments

In my latest newsletter, I explore how our living environments shape our entire relationship with money: open.substack.com/pub/yourbrai...

submitted 17 days ago • 0 comments

Most financial advice assumes you make decisions rationally. You don't. None of us do. Let's design systems that work with human psychology, not against it.

submitted 18 days ago • 0 comments

Having clear values saves more money than any budgeting app. Knowing your "why" prevents a thousand impulse purchases.

submitted 18 days ago • 0 comments

What's one money belief you've completely changed your mind about in the last few years?

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We're hardwired to see patterns. It's why we think we can predict markets, why we follow financial gurus, and why we're often disappointed.

submitted 19 days ago • 0 comments

Your financial behaviors make perfect sense when viewed through the lens of your money story. The question is: who wrote that story?

submitted 19 days ago • 0 comments

The investment return nobody calculates: Peace of mind. What would you pay for less financial anxiety?

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The difference between the wealthy and everyone else isn't just income — it's how they metabolize financial setbacks.

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Ask yourself: Would you speak to a child the way you talk to yourself about money mistakes? Financial self-compassion isn't optional.

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That moment when your logical brain says "invest" but your emotional brain screams "danger"? That's your money history talking, not your financial future.

submitted 20 days ago • 0 comments

Why economic anxiety is through the roof right now: — Markets just had their worst week in years while billionaire wealth hit $16T — Americans have record net worth but 69% is held by the top 10% Full analysis in my newsletter: open.substack.com/pub/yourbrai...

submitted 20 days ago • 0 comments

What's the most expensive financial lesson you've ever learned?

submitted 23 days ago • 0 comments