Real life constraints define how money decisions are actually made, yet most personal finance advice is built as if those constraints barely exist. Advice assumes time, stability, emotional distance, and predictable cash flow. Reality offers… Why Personal Finance Advice Breaks Down Under Real-Life Constraints
Financial decision gap is not a knowledge problem. Most people who struggle financially are not ignorant of basic concepts. They know what interest is. They understand, at least in theory, that debt is costly, diversification… The Gap Between Knowing Financial Concepts and Making Financially Sound Decisions
Innovation understanding gap has become one of the defining tensions in modern finance. Financial products now evolve at a pace that consistently outstrips the ability of consumers to evaluate what they are using, what risks… The Growing Gap Between Financial Innovation and Consumer Understanding