Personal Finance With Molly

Molly Ford-Coates

What if the biggest obstacle to your financial success isn't your income — it's your mind? Personal Finance With Molly is the podcast where money, mindset, and behavior intersect. Each week, I, Molly, break down the psychology behind your financial decisions, helping you understand why you spend, save, and invest the way you do — and how to make smarter choices starting today. From unpacking cognitive biases that quietly drain your wallet to exploring the emotional patterns behind debt and wealth-building, this show turns behavioral finance research into real, actionable guidance for everyday people. Whether you're just starting your financial journey or looking to break habits that have held you back for years, Personal Finance With Molly gives you the tools to rewire your relationship with money — one episode at a time. Subscribe, and start thinking differently about your finances.

  1. 2d ago

    Her Money, Her Way: The Psychology Behind How Women Save, Spend, and Build Wealth

    Send us Fan Mail Episode Overview This episode explores the behavioral finance forces that shape how women relate to money — from the money messages absorbed in childhood, to the psychological patterns that influence saving, investing, and negotiating today. We examine five key forces at work and offer seven research-backed habits designed specifically to work with women’s psychology, not against it.  This isn’t about what women do wrong with money. It’s about understanding the full picture — structural, psychological, and behavioral — and discovering what becomes possible when that picture comes into focus. Key Concepts Covered FINANCIAL SOCIALIZATION The process through which we learn money beliefs, behaviors, and attitudes from our early environment. Research shows girls and boys often receive different implicit messages about money, investing, and financial authority. FINANCIAL SELF-EFFICACY A person’s belief in their own ability to manage financial tasks successfully. Studies show women often rate their financial confidence lower than men, even when their actual knowledge is comparable. This gap drives avoidance and delay more than any knowledge deficit. EMOTIONAL LABOR & MENTAL LOAD The invisible cognitive and organizational work that falls disproportionately on women. Understanding how mental bandwidth works helps explain why financial tasks are often deprioritized — and why automation is a form of brilliant self-care, not a shortcut.  LOSS AVERSION A foundational behavioral economics concept from Kahneman & Tversky: the pain of losing something is psychologically approximately twice as powerful as the pleasure of gaining an equivalent amount. Amplified by financial anxiety, loss aversion can lead to avoidance, under-investing, and under-negotiating. FINANCIAL PERFECTIONISM The pattern of waiting to take financial action until we feel fully informed or ready. Rooted in the ‘superwoman script,’ financial perfectionism is one of the most common reasons women delay high-impact financial decisions. CHOICE ARCHITECTURE The behavioral economics concept of designing environments so that beneficial choices happen by default. Automating savings and investments is a direct application of choice architecture. IDENTITY-BASED HABITS From James Clear’s Atomic Habits: the most durable behavior change comes from shifting how we see ourselves, not just what we do. Cultivating a financial identity is as important as any individual money action. VALUES-BASED SPENDING An intentional alignment practice: comparing where money actually goes with what a person genuinely values. Reframes budgeting from restriction to self-expression and financial agency.   The Seven Habits — Quick Reference   •       Write your money autobiography — uncover the story you’ve inherited •       Build a ‘Money Proof’ list — document your wins to build financial self-efficacy •       Automate before you optimize — remove decisions from the equation •       Hold a monthly Money Date — solo or with a partner, regular exposure reduces anxiety •       Negotiate something every quarter — build the muscle before the high-stakes moments •       Invest in your financial identity — community, role models, and belonging matter •       Practice values-based spending audits — align your money with what actually matters to you   Research & References   Kahneman, D. & Tversky, A. (1979). Prospect Theory: An Analysis of Decision under Risk. Econometrica. Lusardi, A. & Mitchell, O.S. (2014). The Economic Importance of Financial Literacy. Journal of Economic Literature. Barber, B. & Odean, T. (2001). Boys Will Be Boys: Gender, Overconfidence, and Common Stock Investment. Quarterly Journal of Economics. Babcock, L. & Laschever, S. Women Don’t Ask: Negotiation and the Gender Divide. Princeton University Press. Klontz, B., Britt, S.L., & Archuleta, K.L. Financial Therapy: Theory, Research & Practice. Springer. Clear, J. Atomic Habits. Avery Publishing Group. Thaler, R. & Sunstein, C. Nudge: Improving Decisions About Health, Wealth, and Happiness. Penguin Books.   Resources & Community   Financial Therapy Association — financialtherapyassociation.org National Financial Educators Council — nfec.org Ellevest — ellevest.com (investing platform built for women) HerMoney — hermoney.com (financial media for women) Feminist Financial Handbook by Brynne Conroy Get Good with Money by Tiffany ‘The Budgetnista’ Aliche   Reflection Prompts for Listeners   Use these for your own journaling, a money date, or share with a community:   •       What is the earliest money memory you have, and what belief did it create? •       Where in your financial life do you tend to avoid or delay? What emotion shows up when you do? •       What is one financial decision you’ve been putting off that you could take a first small step on this week? •       Who in your life talks openly about money? How might you expand that circle? •       If you looked at your last 30 days of spending, what story does it tell about what you value? Connect & Share   If this episode resonated with you, the most generous thing you can do is share it with a woman in your life who you think could use it. Money conversations among women are still too rare — and every one of them matters. Support the show

    24 min
  2. Jun 18

    Are We In a Loop? How Thoughts, Feelings, and Money Habits Feed Each Other

    Send us Fan Mail Episode Overview Ever wonder why you keep doing the money things you swore you'd stop doing? In this episode, we dig into the CBT (Cognitive Behavioral Therapy) framework to show you exactly how your thoughts, feelings, and behaviors form a self-reinforcing cycle — and, more importantly, how to build a better one. Packed with real-life examples, four practical tools, and zero judgment. Key Concepts Covered The CBT Triangle Cognitive Behavioral Therapy (developed by Aaron Beck) identifies three interconnected elements — thoughts, feelings, and behaviors — that form a continuous feedback loop. Each influences the others. The goal isn't to break the cycle but to build a healthier one. Three Entry Points •       Thought Trigger: Automatic negative thoughts (ANTs) that fire before conscious awareness •       Feeling Trigger: Emotional states (stress, boredom, loneliness) that drive spending as regulation •       Behavior Trigger: Impulsive actions that generate guilt/shame thoughts and avoidance behaviors afterward Four Cognitive Distortions in Money Life •       All-or-Nothing Thinking: "The budget is ruined — might as well keep spending." •       Mind Reading: Predicting what others will think about your finances and letting that prediction drive decisions •       Fortune Telling: Treating fear-based predictions as facts ("there's no point in investing") •       Emotional Reasoning: "I feel broke, therefore I am bad with money" The Four Tools •       The Thought Record: Five questions to challenge and reframe automatic money beliefs •       Behavioral Activation: Scheduling avoided financial tasks before you feel ready — action changes feelings •       The Pause-and-Name Protocol: Naming the emotion to activate the prefrontal cortex and create response choice •       Values-Based Spending Anchors: Connecting discretionary spending to your top three core values This Week's Action Items •       1. Identify your entry point — thought, feeling, or behavior? •       2. Run a Thought Record on one money belief this week (5 questions, 5 minutes) •       3. Schedule a 15-minute money date — your favorite drink, a comfortable spot, and just look at the numbers Reflection Questions Use these for journaling, a money date, or discussion with a financial coach or partner: •       What is the "story" I tell myself most often about my relationship with money? •       When did I first learn to think that way? Where might it have come from? •       What would I tell a close friend who shared that belief with me? •       What is one small behavior I could try this week that would create a slightly better thought afterward? •       What are my top three financial values — the things money is actually for in my life? Recommended Reading & Resources •       Feeling Good: The New Mood Therapy by David D. Burns, MD — the definitive accessible guide to CBT and cognitive distortions •       Mind Over Money by Brad Klontz & Ted Klontz — CBT principles applied directly to financial behavior •       Thinking, Fast and Slow by Daniel Kahneman — foundational behavioral economics, beautifully accessible •       The Psychology of Money by Morgan Housel — behavioral finance storytelling at its best •       Financial Therapy Association (financialtherapy.org) — find a certified financial therapist near you Support the show

    19 min
  3. Jun 11

    From the Inside Out: How Your Emotional Life Powers Your Financial Life

    Send us Fan Mail Episode Summary In this episode, we explore the powerful and often underestimated connection between mental health and financial decision-making. Drawing on behavioral economics, neuroscience, and financial therapy research, we break down why financial stress doesn't just feel bad — it biologically changes how your brain makes decisions. We unpack the anxiety-avoidance-shame cycle, explore what emotional spending is really about, and offer practical tools for building a healthier, more compassionate relationship with your money. What We Cover Why traditional personal finance advice misses the human behind the budgetWhat amygdala hijack is and how financial stress triggers itHyperbolic discounting: why stressed brains are wired for "right now"The scarcity/cognitive bandwidth research from Mullainathan & ShafirThe anxiety → avoidance → shame cycle and how to interrupt itWhy shame doesn't motivate financial change — and what doesFive actionable tools for bridging emotional and financial wellnessWhere the field of financial therapy is heading Key Concepts from This Episode Amygdala Hijack — A term coined by psychologist Daniel Goleman describing the brain's threat-response system overriding higher-order thinking. Financial stress can trigger this cascade in the same way physical threats do. Hyperbolic Discounting — A cognitive bias in which people dramatically overvalue immediate rewards compared to future ones, an effect that is significantly amplified under stress. Cognitive Tunneling / Scarcity Effect — Research by economists Sendhil Mullainathan and Eldar Shafir showing that people experiencing financial scarcity have significantly reduced cognitive bandwidth — narrowing focus in ways that cause them to miss longer-term opportunities and solutions. Affect Labeling — A neuroscience-backed technique in which naming an emotional state reduces its neurological intensity and reactivates prefrontal cortex functioning. Essentially: naming what you feel helps you think more clearly. Financial Avoidance — Behavioral pattern of avoiding engagement with finances due to the emotional distress it creates. Distinct from laziness; rooted in nervous system regulation. Financial Self-Compassion — The practice of acknowledging financial mistakes or struggles without collapsing them into a narrative of personal failure. Supported by financial therapy research as a prerequisite for behavioral change. Research & Sources Referenced Kahneman, D. (2011). Thinking, Fast and Slow. Farrar, Straus and Giroux.Goleman, D. (1995). Emotional Intelligence. Bantam Books. [Amygdala hijack]Mullainathan, S. & Shafir, E. (2013). Scarcity: Why Having Too Little Means So Much. Times Books.Rick, S. & Loewenstein, G. (2008). The role of emotion in economic behavior. Handbook of Emotions.Klontz, B. & Klontz, T. (2009). Mind Over Money. Broadway Books.Financial Therapy Association: www.financialtherapyassociation.orgBrown, B. (2010). The Gifts of Imperfection. Hazelden Publishing. Practical Tools from This Episode Emotional check-in before purchases — Pause and name your emotional state before any non-essential purchase above your threshold. Takes 60 seconds. Activates prefrontal cortex.Scheduled money dates — A recurring, low-pressure block of time dedicated to reviewing finances. Make the environment comfortable. Build positive association over time.Curiosity over judgment — When reviewing past spending, ask what was I reaching for? rather than why did I do that? Curiosity produces insight; judgment produces avoidance.Somatic awareness — Notice physical sensations when engaging with different financial topics. Tightness, shallow breathing, and stomach tension are data points about where emotional charge lives.Address underlying mental health — For many people, treating anxiety or depression has a meaningful positive effect on financial behavior. Your mental health and your financial health are not separate systems. Want to Go Deeper? Check out the Financial Therapy Association for a directory of financial therapists: www.financialtherapyassociation.orgMind Over Money by Brad Klontz & Ted Klontz — foundational work on financial psychologyScarcity by Mullainathan & Shafir — the cognitive bandwidth research explained accessiblyThe Psychology of Money by Morgan Housel — approachable read on how behavior shapes financial outcomesSupport the show

    25 min
  4. Jun 4

    Why Your Next Raise Won't Make You Happy (And What Will)

    Send us Fan Mail Episode Description: You worked hard for that promotion. You earned the raise. So why does it feel like... not enough? In this episode, we dig into one of the most powerful — and most overlooked — forces in personal finance: the hedonic treadmill. We explore why lifestyle inflation is wired into human psychology, how social comparison quietly hijacks your spending decisions, and what behavioral finance research tells us about actually building a life that feels like "enough." Spoiler: it's not about earning more. Key Topics Covered: What lifestyle inflation really is (and why traditional advice gets it wrong)The hedonic treadmill: why your brain always resets to baselineHow social comparison ("keeping up with the Joneses") drives unnecessary spendingThe difference between experiential and material spending — and what the research saysPractical frameworks for defining YOUR version of "enough"The concept of "enough number" and values-based budgetingKey Concepts & Terms: Hedonic Adaptation – The psychological phenomenon where people quickly return to a baseline level of happiness after positive (or negative) life changesLifestyle Inflation – The tendency to increase spending as income rises, often leaving savings rates stagnantSocial Comparison Theory – Leon Festinger's 1954 theory that humans evaluate themselves relative to othersReference Point – In behavioral finance (Kahneman & Tversky), the baseline against which gains and losses are measuredLoss Aversion – The tendency to feel losses more acutely than equivalent gains; once lifestyle inflates, downgrading feels like a lossThe Enough Number – A personally defined income or wealth threshold beyond which additional money adds little to life satisfactionResearch Referenced: Brickman, Coates & Janoff-Bulman (1978) – Lottery winners vs. paraplegics happiness studyKahneman & Deaton (2010) – Princeton study suggesting emotional wellbeing plateaus around $75,000/year (updated 2021 by Killingsworth)Gilovich, Kumar & Jampol (2015) – "A Wonderful Life": experiences vs. material goods and long-term happinessRobert Cialdini – Influence (social proof and conformity)Bill Perkins – Die With Zero (optimizing for life energy, not net worth)Actionable Takeaways: Do a "Lifestyle Audit" — track what you actually spent money on in the last 90 days and rate each category by how much joy it broughtIdentify your personal "enough number" — the income/net worth floor where you feel secure, not the ceiling you're chasingPractice a 30-day "hold" before lifestyle upgrades after a raiseRedirect at least 50% of every raise to savings before it hits your checking accountReplace comparison spending with "identity spending" — buying in alignment with your stated valuesBooks & Resources: Your Money or Your Life — Vicki Robin & Joe DominguezDie With Zero — Bill PerkinsHappy Money — Elizabeth Dunn & Michael NortonThe Psychology of Money — Morgan HouselStumbling on Happiness — Daniel GilbertSupport the show

    21 min
  5. Jun 1

    First Paycheck Energy: The Behavioral Finance Secrets That Change Everything

    Send us Fan Mail Episode Description Your first paycheck hits and suddenly you feel invincible. But lurking beneath every "I'll deal with it later" and every lifestyle upgrade is a set of mental traps that behavioral economists have studied for decades — and that cost most people tens of thousands of dollars before they even realize what happened. In this episode, we break down the brain glitches behind your financial decisions and give you the exact reframes and habits to outsmart them from Day 1. 🧠 Key Concepts Covered Present Bias — The tendency to overweight immediate rewards and underweight future consequences; rooted in how the brain represents the "future self."Hedonic Adaptation / Lifestyle Inflation — The brain's ability to rapidly normalize positive changes, causing the happiness from upgrades to fade while costs remain.Mental Accounting — Treating money differently based on its source or designated purpose, even though money is fungible (concept by Nobel laureate Richard Thaler).Loss Aversion — Losses feel approximately twice as painful as equivalent gains feel pleasurable (Kahneman & Tversky, Prospect Theory).Social Comparison Bias — Evaluating one's own situation relative to peers, often inaccurately.The IKEA Effect — We place greater value on things we've helped create, making self-built financial plans more durable.The Endowment Effect — We overvalue things we already own, making it hard to sell bad investments.Sunk Cost Fallacy (mentioned) — Letting past, unrecoverable costs influence current decisions. ✅ Actionable Takeaways Enroll in your 401(k) today — even at 1–3%. Set it to auto-increase by 1% annually.Apply the Raise Rule — commit to saving ≥50% of every after-tax raise increase before it hits your spending account.Earmark windfalls before you spend them — transfer a percentage to savings the day a bonus or tax refund lands.Reduce portfolio check-ins — log in quarterly, not daily. Less visibility = fewer panic moves.Unfollow or mute accounts that trigger spending envy — curate your comparison environment.Build your own budget — a customized plan you built yourself has far more staying power than a generic template. 📚 Research & Further Reading Kahneman, D. & Tversky, A. — Prospect Theory (1979) — The foundational paper on loss aversion and decision-making under risk.Thaler, R.H. — Mental Accounting Matters (1999) — A classic and accessible paper on how we categorize money.Thaler, R.H. & Benartzi, S. — Save More Tomorrow (SMarT) program research — Showed how automated, gradually increasing savings contributions change behavior.Kahneman, D. — Thinking, Fast and Slow (2011) — The essential book on the two systems of thought driving all our decisions, including financial ones.Thaler, R.H. & Sunstein, C.R. — Nudge (2008) — How default settings and choice architecture shape financial behavior.Ariely, D. — Predictably Irrational (2008) — Engaging, pop-science look at the hidden forces shaping our choices. 🔗 Resources Mentioned / Recommended IRS Roth IRA Contribution Limits — irs.gov (search "Roth IRA limits")Your employer's 401(k) plan portal — Check your HR onboarding docs or benefits websitePersonal Capital / Empower — Free net worth tracking toolYNAB (You Need A Budget) — Budgeting app that encourages active mental engagement with your money (good for the IKEA Effect!)Investor.gov Compound Interest Calculator — See what your contributions look like 30–40 years from nowSupport the show

    19 min
  6. May 28

    The Money Mind: Why Windfalls Vanish — A Behavioral Finance Deep Dive

    Send us Fan Mail Episode Summary Most financial advice about inheritances focuses on what you should do — park the money in a high-yield savings account, wait six to twelve months, pay off high-interest debt, build an emergency fund. That advice is correct. But it doesn't explain why smart, educated, high-earning adults routinely fail to follow it. In this episode, we dig into the behavioral gap — the psychological forces working against you before you ever open a brokerage account. The Story That Sparked This Episode Mike and Noel, featured on the Ramit Sethi podcast, burned through a $171,000 inheritance in less than a year. Both 34. Both successful — Mike earning a six-figure salary, Noel finishing law school. Not unsophisticated people. And yet by year's end, they had $244,000 in debt, virtually no assets, and a net worth around negative $200,000. Noel's own words: "We are super screwed." This episode uses their story as a lens to explore why this pattern is so common — and what's really going on beneath the surface. Key Concepts Covered The Great Wealth Transfer — Between now and 2048, Gen X and millennials are projected to inherit somewhere in the neighborhood of $124 trillion in assets. The behavioral preparation for that transfer is nearly nonexistent.Identity & Lifestyle Inflation — How a windfall instantly resets what "normal" spending feels like, and why that new baseline is so hard to walk back.Mental Accounting (Richard Thaler) — Why we treat "found money" or "unexpected money" differently than earned income, and why those mental buckets lead us to spend inherited wealth faster and more loosely.Prospect Theory (Kahneman & Tversky) — How sudden wealth changes our reference point instantaneously, distorting our perception of risk and loss going forward.Sudden Wealth Syndrome — The psychological symptoms that accompany a rapid, unexpected financial change, and why even positive windfalls can trigger anxiety, guilt, and impulsive decision-making.Resources Mentioned Ramit Sethi podcast (Mike & Noel episode)Daniel Kahneman — Thinking, Fast and SlowBrad Klontz & Ted Klontz — financial psychology researchHarris Poll data on inheritance behaviorCerulli Associates — wealth transfer projectionsSupport the show

    23 min
  7. May 25

    Money Flows Where Identity Goes: How to Finally Become Someone Who's Great With Money

    Send us Fan Mail Episode Summary What if the biggest thing standing between you and financial freedom isn't your income, your debt, or even the economy — but the story you've been telling yourself about who you are with money? In this episode, we go deep into the psychology of financial identity: where it comes from, how it quietly controls every financial decision you make, and — most importantly — how to rewrite it. Packed with behavioral science, real talk, and a few moments that might make you uncomfortably say "okay, that's me." What You'll Learn Why "I'm just not a money person" is one of the most expensive sentences you'll ever sayThe behavioral science behind financial self-concept (and why it's not your fault it's messy)How your childhood home's relationship with money literally wired your brainThe "Financial Identity Audit" — a 5-question exercise you can do right nowWhy willpower has almost nothing to do with financial success (and what actually does)The counterintuitive reason why people with high incomes sometimes feel "broke"How to build a new financial identity — without lying to yourselfKey Concepts & Terms Financial self-concept — the beliefs and narratives you hold about yourself as a financial actorIdentity-based behavior — doing things because they align with who you believe you are, not just what you wantScarcity mindset — a cognitive state induced by perceived resource shortage that narrows thinkingBehavioral contagion — unconsciously mirroring the financial behaviors of those around youCognitive dissonance in personal finance — the discomfort of acting against your stated financial valuesNarrative identity theory (Dan McAdams) — the idea that we construct our sense of self through storyImplementation intentions — "if-then" plans that make new behaviors automaticResearch & Books Mentioned Atomic Habits — James Clear (identity-based habit formation)The Psychology of Money — Morgan HouselScarcity: Why Having Too Little Means So Much — Sendhil Mullainathan & Eldar ShafirThe Body Keeps the Score — Bessel van der Kolk (trauma's role in financial behavior)Mind Over Money — Brad Klontz & Ted Klontz (money scripts)Study: "Self-Concept and Financial Behavior" — Avram Goldstein et al., Journal of Consumer ResearchBrad Klontz's "Money Script" research, Kansas State UniversityShlomo Benartzi's work on behavioral nudges and savings behaviorThe Financial Identity Audit (5 Questions) Finish this sentence without thinking: "I am the kind of person who _____ with money."What did money mean in your household growing up? (Security? Stress? Status? Secrecy?)What financial behavior do you keep repeating even though you know you shouldn't?If a trusted friend described your financial personality, what would they say?What does your ideal financial self look like — and what story would that person tell about money?Homework / Action Items Do the Financial Identity Audit above (write it out — don't just think it)Notice this week: catch yourself using the phrase "I'm just not good with money" or a variation. Replace it with "I'm learning to be good with money."Identify one financial behavior you want to start — then connect it to an identity statement: "I am the kind of person who..."Find one "financial role model" in your life — not for their wealth, but for their relationship with moneySupport the show

    42 min
  8. May 21

    Spend Less, Save More, Feel Amazing: The Psychology-Backed Money Reset

    Send us Fan Mail Episode Summary We all know what we should do with money. So why don't we do it? In this episode, we dive deep into the fascinating world of behavioral finance — the science of why smart people make dumb money decisions. You'll learn about the hidden mental glitches sabotaging your bank account, and walk away with five surprisingly fun strategies to outsmart your own brain. What You'll Learn Why your brain is literally wired to be bad with money (and it's not your fault)The "present bias" trap that keeps you broke — and how to escape itWhat the Latte Factor actually gets wrong (it's behavioral, not mathematical)The "300% return" strategy that requires zero investment knowledgeHow to use "commitment devices" the way Odysseus did — to save more automaticallyWhy paying yourself first is the most powerful behavioral hack in personal financeKey Concepts Mentioned Present Bias — our tendency to overvalue rewards right now vs. laterMental Accounting — treating different dollars as if they have different valuesHyperbolic Discounting — the math behind why we make bad trade-offs over timeLoss Aversion — why losing $100 feels twice as bad as gaining $100 feels goodCommitment Devices — pre-committing to future behaviors to override impulseThe Ulysses Contract — binding your future self to a smarter decision made todaySave More Tomorrow (SMarT Program) — Richard Thaler & Shlomo Benartzi's landmark studyResources Mentioned 📖 Misbehaving — Richard Thaler (Nobel Prize winner)📖 Thinking, Fast and Slow — Daniel Kahneman📖 Your Money or Your Life — Vicki Robin📖 Atomic Habits — James Clear (habit design framework)🔬 The SMarT (Save More Tomorrow) Program — Thaler & Benartzi, 2004📊 National Endowment for Financial Education research on financial regret🛠️ Tools: Qapital, Digit, YNAB (You Need a Budget), SmartyPigSupport the show

    24 min

Ratings & Reviews

3
out of 5
2 Ratings

About

What if the biggest obstacle to your financial success isn't your income — it's your mind? Personal Finance With Molly is the podcast where money, mindset, and behavior intersect. Each week, I, Molly, break down the psychology behind your financial decisions, helping you understand why you spend, save, and invest the way you do — and how to make smarter choices starting today. From unpacking cognitive biases that quietly drain your wallet to exploring the emotional patterns behind debt and wealth-building, this show turns behavioral finance research into real, actionable guidance for everyday people. Whether you're just starting your financial journey or looking to break habits that have held you back for years, Personal Finance With Molly gives you the tools to rewire your relationship with money — one episode at a time. Subscribe, and start thinking differently about your finances.