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Financology

PhD psychologist decoding the psychology of money to help you think smarter and grow wealth with clarity.

Newsletter · By Ryan | Master Money Psychology · English · Official site

Indexed issues, last 90 days
17
Latest publication
Sep 29, 2026
Audience
Checking…
Earliest in this view
Aug 20, 2026

Latest issues

  1. Issue · Sep 29, 2026

    The Standing Tab: How Modern Convenience Quietly Drains Your Bank Account (opens the original)

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    This episode explores how digital convenience and frictionless transactions systematically undermine our financial decision-making. Drawing on behavioral economics and cognitive biology, the hosts explain how single choices turn into standing tabs that silently drain your funds. Listeners will learn practical strategies to rebuild intentional friction, conduct a financial audit, and stop paying for forgotten digital subscriptions.Key Takeaways:Recognize the Standing Tab: One-time actions—like sa

  2. Issue · Sep 24, 2026

    Why You Keep Making the Same Money Mistake (opens the original)

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    <img alt="" class="sizing-normal" height="819" src="https://substackcdn.com/image/fetch/$s_!JIW7!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F468769f8-62ff-4ffe-9e18-8c6852f9ccd5_1672x941.png"

  3. Issue · Sep 24, 2026

    The Goldfish Effect: Why Earning More Money Never Feels Like Enough (opens the original)

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    This episode uncovers why earning more money so rarely leads to a sense of financial abundance, exploring how human psychology mimics a constantly expanding shark. By dissecting concepts like mental accounting and adaptation level theory, the hosts explain the psychological paradox behind high earners who still feel broke. Listeners will learn actionable behavioral hacks, such as automating transfers before payday, to reset their internal financial baseline and build genuine long-term wealth.Key

  4. Issue · Sep 22, 2026

    Paying the "Normal Tax": The Invisible Financial Cost of Fitting In (opens the original)

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    This episode examines the “normal tax”—the invisible financial and lifestyle costs paid simply to conform to peer expectations and maintain social status. Drawing on evolutionary biology, Solomon Asch’s conformity experiments, and Leon Festinger’s social comparison theory, the discussion reveals why people prioritize looking wealthy over building actual security. Listeners will walk away with practical behavioral strategies to audit their reference groups, introduce spending friction, and regain

  5. Issue · Sep 17, 2026

    Trust People. Check the Numbers (opens the original)

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    <img alt="" class="sizing-normal" height="819" src="https://substackcdn.com/image/fetch/$s_!k0gp!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F54ce0aab-94a4-4c0e-9c3b-bfad4d02de40_1672x941.png"

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