Debt Is Destroying Your Marriage? After 30 Years of Helping Couples, Here’s What I Wish Someone Had Told You
Savers attract spenders — research proves it. After 30 years of counseling couples in debt, here is what actually saves marriages.
money personality
Spending Addiction Put You in Debt? I Founded a Program for This — Here’s What Actually Works
Compulsive spending shares brain circuitry with substance addiction. Budgets won’t fix it. I founded the first inpatient program for this — here’s what the research says works.
Why We Teach Financial Literacy to Teenagers at the Worst Possible Time
The prefrontal cortex — the brain region governing financial decision-making — doesn’t complete development until age 25. Neuroscience shows why delivering financial literacy at age 16 is the wrong brain at the wrong time, and why decision-point education produces effects 48% larger.
Why Financial Literacy for Teenagers Fails — and What a Lifelong Money Psychology System Would Look Like Instead
Financial literacy for teenagers fails because the brain isn’t ready, the knowledge decays before it’s needed, and shame fills the gap when it doesn’t work. A 2014 meta-analysis of 201 studies found financial literacy education explains only 0.1% of behavioral variance. The right intervention is a lifelong, just-in-time delivery system built around psychological self-awareness.
Why Financial Literacy Classes Fail: What the Research Actually Shows
Financial literacy education explains only 0.1% of financial behavior variance. A synthesis of 201 studies, Big Five personality research, and original 2001 clinical data from Myvesta reveals why — and what money personality reveals that classrooms never can.
Why Financial Education Fails: The Research on Money Psychology and Behavior
A research collection synthesizing peer-reviewed evidence, original Myvesta clinical data, and 30 years of observation: financial behavior is driven by psychology and money personality — not by what you know about finance.
Government Asks How to Teach Financial Literacy (Here’s the Problem)
The Treasury Department wants public input on updating the National Strategy for Financial Literacy. But decades of research show that financial education alone doesn’t change behavior—because how we spend is emotional, not logical.
Why Budgets Suck — and What Actually Works Instead
Quick Answer: Budgets fail most people because spending is driven by brain chemistry, not math. Research published in the Journal of Economic Behavior & Organization found that people who set budgets for specific categories actually spent $30 MORE in those categories than people who didn’t budget at all. At Myvesta, the credit counseling organization I …
Money Personality Tests: Myth vs Reality
Quick Answer: Money personality tests reveal that spending habits are largely controlled by unconscious psychological factors rather than conscious decisions, with most people falling into unbalanced spending categories like binge spending or excessive saving due to fear. The post suggests taking a personality test to identify one’s spending type and understand the psychological drivers behind …
