Episode 168
"When we're more transparent about talking about money, that benefits us—not the system."
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Links
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Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)
Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).
Episode Summary
In the modern world, financial education is at our fingertips, yet many of us still struggle with our relationship with money. Why? The issue isn’t a lack of information — it’s a behavioural one, and the realization sent this week’s guest down a rabbit hole to understand the psychology of decision-making. It turns out, there’s no bottom.
Certified Financial Planner Hanna Horvath, one of our favourite writers in the personal finance space, has long been exploring the psychology, systems, and social influences behind money decisions in the Wall Street Journal, on CNBC, and in her incredible newsletter, Your Brain On Money. She also works with fintech startups that are puzzled by why their users aren’t behaving as their products expect.
In this episode (Part 1 of 2!), Hanna offers her analytical lens and discusses:
Where our relationships with money actually start
How she helps companies design programs, products and messaging that empower people
The ways in which financial technologies are designed to manipulate people
Her Three Forces Framework for understanding the forces that control your money decisions (internal, social, structural)
Why the implicit contract we have with capitalism is breaking down
The importance of changing and implementing policy, but also building your own system to thrive within the current economy
How the loneliness epidemic is making us better consumers
And more. A must-listen for anyone looking to understand how internal beliefs, societal pressures, and structural constraints shape their relationship with money — and how they can improve it. Stay tuned for Part 2!
Also available on Apple Podcasts, Spotify, iHeart Radio, Overcast, Castro, Castbox & Pocket Casts.
