Work & MoneyBehaviorMoney Worry Costs You Attention. Most of the Famous Number Is Something Else.The claim that being short of money costs you thirteen IQ points comes from one 2013 paper. Pooled across 111,852 people the effect is real but moderate — and roughly 60 per cent of it travels with education, leaving a small one. The cleanest experiment found money worry moved only monetary impatience: not risk-taking, not decision quality, not cognitive performance.
Work & MoneyBehaviorSix Weeks of Pay, Not Six Months of ExpensesAlmost four in ten American adults could not cover a $400 emergency from cash. The advice they are given is a target several times larger than what the research on household volatility says they need.Start here
New to this subject? These two open it.
1You Cannot Stop Comparing. The Correction Is the Part You Control.Comparison happens on contact, before you decide anything; what takes effort is undoing it afterwards.2It Is Not What They See Online. It Is That They Are Not There.The genre is written about jealousy and comparison. Across 52 studies and 19,698 people the largest …
For roughly four in ten households with multiple debts, choosing snowball over avalanche costs nothing at all.
Two steps forward, one step back? Quantifying the pecuniary costs of debt account aversion and the debt snowball
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Myth or fact: people procrastinate because they are bad at managing time.
Myth. Delay tracks how bad a task makes you feel far better than how long it takes — which is why a better calendar so rarely fixes it.
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