Ever wonder why you keep making the same money mistakes, even when you know better? Why saving feels so hard, spending feels so easy, and your paycheck seems to disappear without a trace? In this episode, we’re digging deep into the surprising science of why we make bad financial decisions, and how to stop.

Our brains weren’t built for modern money. They were designed for survival, not savings accounts. And in a world of one-click purchases, dopamine hits, and endless comparison, it’s no wonder we often sabotage our own financial goals. Host Mark Zagurski breaks down the field of behavioral finance to help you see your money habits through a whole new lens.

From emotional spending to herd behavior and mental accounting, we explore the real psychological traps that hold people back, and, more importantly, what you can do to break free. Packed with relatable examples, practical hacks, and honest insights, this episode will help you understand your brain, take back control, and make smarter money moves, starting today.

In this episode, you’ll learn:

→ Why your brain prefers instant gratification over long-term gain
→ The top 4 psychological traps that sabotage your finances
→ Why automating good habits beats relying on willpower
→ How to use “friction” to stop impulse spending
→ A simple journaling trick to uncover emotional spending triggers

“We don’t make bad money moves because we’re dumb. We make them because we’re human.”

🎯 Your next step: Visit www.makeitpersonalpodcast.com to download free resources, check your Financial Fitness Score, or schedule a no-obligation consultation with a financial advisor. And don’t forget to like, subscribe, and share this episode with someone who needs to hear it.

Make It Personal - It’s Your Money, Your Plan, Your Future.

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Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.