3728: The Real Reason Why You Can't Break Your Bad Money Habits by Jen Hayes on Money Mindset
Optimal Finance DailyOctober 09, 2026
3728
00:11:59

3728: The Real Reason Why You Can't Break Your Bad Money Habits by Jen Hayes on Money Mindset

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Episode 3728:

Jen Hayes explains why knowing what to do with your money so often fails to change what you actually do with it. Drawing on Brooke Castillo's thoughts, feelings, actions, results model, she argues that habits like overspending are attempts to dull an unpleasant emotion, so a spending ban built on resentment tends to collapse. Her fix works on the money mindset underneath the behavior: change the thought driving the feeling, or learn to name and sit with the emotion instead of spending your way around it.

Read along with the original article(s) here: https://jenhayes.me/the-real-reason-why-you-cant-break-your-bad-money-habits/

Quotes to ponder:

"When we aren't intentional with our finances, we do what's familiar."

"When we try to break these bad habits without understanding why we do them in the first place, we fail."

"When you allow yourself to truly feel an emotion, instead of resisting it or avoiding it, you will probably find that the emotion isn't that bad and it will pass."

Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day.

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