We like to believe we make rational financial decisions.

In reality, our choices are shaped by shortcuts, emotions, and invisible mental biases we rarely notice.

In this episode, behavioural scientist Richard Shotton joins us to explore how the mind really works when money is involved — and why understanding these patterns may be more valuable than any investment tip.

We discuss why people misjudge their own financial abilities, why future goals struggle to compete with present comfort, and how small psychological triggers can influence big decisions. Along the way, we explore the gap between intention and action, the power of social influence, and why proof often persuades more than promises.

This conversation isn’t about blaming human behaviour. It’s about understanding it. Because once you see the patterns, you begin to notice them everywhere.

Richard's Website: https://www.richardshotton.com