Your Built-In Wiring

Nobody makes money decisions on a blank slate — every one is filtered through wiring built for scarcity and survival, not for managing a 401k across four decades. That wiring isn't a flaw to be ashamed of; it's standard equipment, present in essentially everyone, and it's exploitable mostly by people who've studied it more carefully than their customers have.

This track maps the specific patterns that do most of the damage — loss aversion, present bias, mental accounting, anchoring, the stories that move money faster than statistics do, and the scarcity mindset that narrows decision-making under real pressure rather than reflecting a lack of discipline. It ends with something practical: concrete ways to route around each pattern instead of just knowing it's there.