Highlights of today’s show:

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• Is money management more about behavior or about the math?
  
• I have found that people who change their behavior win with money
  
• This is a paradigm shift for most of us, including me
  
• Life is like a pie, when you get your finances under control, it will overflow to other areas of your life
  
• We’re getting ready to put our condo on the market
  

Today’s show is off the cuff as I do an impromptu show on how money management is about behavior, not about the math. So often we are taught or believe that personal finance is all mathematical. My degree in accounting taught me to think like that, however after studying personal finance for many years and working with individuals and couples on their finances over the past three years, I have realized that knowing the math isn’t good enough. You have to modify you behavior to win with money.

We see this all the time with saving and paying off debt. We try to use math to rationalize why saving a small amount each month won’t mean anything or why paying off low-interest rate debt isn’t right. But when we see money as a behavior issue, we save and pay off debt so we can build that discipline which will allow us to reach our financial goals.

Other blog posts/podcasts related to behavior with money:

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• Personal finance is about more than just money
  
• How personal finance is only 20% math and the rest behavior
  
• Interest rate is not you problem
  
• Change is hard
  
• How to help others with their finances
  

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You can find prior editions of the podcast at the podcast archive page.