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Money and emotion are frenemies

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Finance assumes that people are rational. The problem is, they are not. Money and emotion are tied together, and not always in good ways. Money and emotion are frenemies. That’s the fundamental issue in financial planning. Very few people view money as a tool. So then, what is it? Is it security? Freedom? A game?… [Read More]

Overspending and the holidays

One of the fascinating aspects of human societies is how people are driven to create holidays that involve mandatory transfers of wealth. We’re heading into the insanity of the many year-end holidays celebrated by different groups in the United States. One of the financial questions raised by this is, how big a problem is overspending… [Read More]

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