#166 Design! Design! Design! (Why Traditional Financial Tips Fail)

<p>Traditional financial advice treats money like a math class, but budgeting and saving are deeply rooted in behavioral psychology rather than pure willpower. Instead of relying on rigid rules that trigger deprivation, we need to design a financial environment that automates our habits and works <em>with</em> our human wiring. </p><p>Desgn! Design! Design!</p>