The Financial Impulse Loop You Don't Know You're In скачать в хорошем качестве

The Financial Impulse Loop You Don't Know You're In

⮕ Research shows 40% of shoppers consistently overspend their plans—not from lack of discipline, but because willpower-based budgeting fails by design. This video examines the "financial impulse loop": how stress triggers spending, which creates guilt, which generates new stress, perpetuating the cycle. Drawing from behavioral economics studies (including findings from Thaler & Benartzi's "Save More Tomorrow" research), I present a three-account automation system that eliminates daily financial decisions: a Future Fun account for planned indulgences, your main operating account, and an Impulse Fund—a controlled amount for guilt-free spontaneous purchases. The goal isn't more self-control. It's less need for self-control. You'll learn why traditional budgets deplete mental bandwidth, how automation increased retirement savings participation from 8% to 70% in company studies, and how to implement a zero-decision system that works with your psychology rather than against it. No restrictive budgeting. No constant vigilance. Just strategic design. 👍 Share this video with someone over 50 who could benefit from it. 💬 Comment below what you would like to see covered in the next video. 📖 In this video you will discover: ✔ The Loop That Nobody Told You About ✔ Why Budgets Fail You ✔ The Science of Automation ✔ Your Brain on Buying ✔ The Three-Account System ✔ Setting It Up ✔ What Research Shows ✔ The Common Mistakes 📔 References and sources used to develop the video: 1. Shiv, B., & Fedorikhin, A. (1999). Heart and mind in conflict: The interplay of affect and cognition in consumer decision making. Journal of Consumer Research, 26(3), 278-292. 2. Diehl, K., & Poynor, C. (2010). Great expectations?! Assortative product arrangement, selective exposure, and consumer preference. Journal of Marketing Research, 47(5), 1065-1077. 3. Edmans, A., García, D., & Norli, Ø. (2007). Sports sentiment and stock returns. The Journal of Finance, 62(4), 1967-1998. 4. Thaler, R. H., & Benartzi, S. (2004). Save More Tomorrow™: Using behavioral economics to increase employee saving. Journal of Political Economy, 112(S1), S164-S187. 5. Madrian, B. C., & Shea, D. F. (2001). The power of suggestion: Inertia in 401(k) participation and savings behavior. The Quarterly Journal of Economics, 116(4), 1149-1187. 6. Baumeister, R. F. (2002). Yielding to temptation: Self-control failure, impulsive purchasing, and consumer behavior. Journal of Consumer Research, 28(4), 670-676. 7. Knutson, B., Rick, S., Wimmer, G. E., Prelec, D., & Loewenstein, G. (2007). Neural predictors of purchases. Neuron, 53(1), 147-156. 8. Lerner, J. S., Small, D. A., & Loewenstein, G. (2004). Heart strings and purse strings: Carryover effects of emotions on economic decisions. Psychological Science, 15(5), 337-341. 9. Black, D. W. (2007). A review of compulsive buying disorder. World Psychiatry, 6(1), 14-18. 10. Vohs, K. D., & Faber, R. J. (2007). Spent resources: Self-regulatory resource availability affects impulse buying. Journal of Consumer Research, 33(4), 537-547. 11. Beatty, S. E., & Ferrell, M. E. (1998). Impulse buying: Modeling its precursors. Journal of Retailing, 74(2), 169-191. 12. Benartzi, S., & Thaler, R. H. (2007). Heuristics and biases in retirement savings behavior. Journal of Economic Perspectives, 21(3), 81-104. 🏷️ Tags: impulse buying, behavioral economics, personal finance, budgeting tips, financial automation, save money, impulse spending, financial psychology, stress spending, money management, savings strategies ⚠️ Professional Advice Disclaimer: This channel provides educational content only and does not constitute financial, legal, tax, or professional advice of any kind. All business ventures and financial decisions involve substantial risk, individual results vary significantly from aggregate research findings, and you should consult qualified licensed professionals before implementing any strategies discussed. By viewing this content, you acknowledge sole responsibility for your decisions and agree that the channel operators bear no liability for any outcomes you experience. © Fair Use Copyright Disclaimer: This content is protected under Section 107 of the U.S. Copyright Act (17 U.S.C. § 107) for educational and transformative purposes. All referenced academic research, statistics, and studies are properly attributed to original authors and used within fair use guidelines for commentary and teaching. Product names and trademarks are mentioned solely for descriptive educational purposes without implying endorsement or affiliation. This work adds original analysis, commentary, and practical applications that transform source materials into new educational content. No copyright infringement is intended. All sources are cited, limited excerpts are used only as necessary for educational commentary, and this content does not substitute for or harm the market value of original works. Copyright concerns will be addressed upon contact.