Your Brain On Money, Part 1: Exposing the Manipulation Matrix w/ Hanna Horvath

“When we're more transparent about talking about money, that benefits us—not the system.” - Hanna HorvathIn 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 startHow she helps companies design programs, products and messaging that empower peopleThe ways in which financial technologies are designed to manipulate peopleHer 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 downThe 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 consumersAnd 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!To follow along with Hanna on socials, tap or click HERE. To read and subscribe to Hanna’s Substack, Your Brain On Money, tap or click HERE. To learn more about Hanna’s work, tap or click HERE.To get acquainted with your host, tap or click HERE.To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.To learn more about $HMONEY, visit shmoney.club and join us on...Instagram: @shmoneyradio / @shmoneyhoniesFacebook: https://www.facebook.com/shmoneyradioSound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).