Start Here: Money & Mind

The psychology-of-money pieces: habituation, lifestyle creep, and the happiness curve.

Money decisions are shaped as much by psychology as by math. These pieces cover the mental side: how we adapt to what we have, where our judgment slips, and what has helped me catch myself doing it.

  1. How Much Happiness Does Money Buy You?: what the research says about the income-happiness curve, and where it bends.
  2. Lifestyle Creep: why earning more does not always feel like more.
  3. Habituation: the adaptation process underneath both of the above.
  4. The Financial Hot Potato: 0% balance transfers and the discipline they quietly require.
  5. Debunking 4 Common Credit Myths: common stories people tell themselves about credit, checked against how scoring actually works.