I’ve been a CPA since 1981, worked as a Wall Street investment advisor through the 1980s, and written about money since 1991.
I still have to trick my own brain into spending less.
That’s the dirty secret behind most “money mindset” advice. It tells you to be more disciplined. To visualize wealth. A lot of that is junk.
Your brain isn’t broken. It’s just running software that’s tens of thousands of years old, and every retailer, lender, and app on your phone has hired people to exploit it.
But a handful of tricks actually work — not because they boost your willpower, but because they change the game around you. Here are the five I trust.
1. Make…
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