Why Your Financial Success Has Little to Do With Intelligence — And Everything to Do With Behavior

Financial advice often focuses on numbers, formulas, and technical strategies. Yet, the most profound lessons come from understanding the human side of money — the emotions, biases, and personal histories that shape every financial decision. Money is not just math; it’s deeply personal psychology.

Think about two people with similar incomes and knowledge but vastly different financial outcomes. One saves consistently and builds wealth; the other struggles despite equal intelligence. Why? Because financial success is less about how smart you are and more about how you behave. This idea is at the heart of