Connect with us

Video

Why Money Feels Harder at Every Stage of Life (Behavioral Finance Explained)

Published

on

Why Money Feels Harder at Every Stage of Life (Behavioral Finance Explained)



Why do smart, responsible people still feel anxious about money even when they are doing everything right?

In this video, we break down behavioral finance research that explains how saving, investing, and spending behaviors change across every stage of life, and why financial strategies that work at one age often stop working over time.

Using Federal Reserve Survey of Consumer Finances data, research from Vanguard, Morningstar, RAND, and the Health and Retirement Study, along with insights from behavioral economists like David Laibson, Daniel Kahneman, and David Blanchett, we explore how money decisions are shaped far more by psychology and life stage than by intelligence or math.

You will learn why money feels fragile in your 20s, why optimization anxiety peaks in midlife, why retirement decisions feel irreversible, and why many retirees underspend despite having enough.

Advertisement

This video covers the psychology of money, behavioral finance mistakes, retirement planning mindset shifts, risk tolerance by age, income versus assets in retirement, and why one financial strategy cannot work for your whole life.

If you have ever wondered why money feels harder over time, this video explains why and what to do differently.

00:00 Intro: How Retirement Decisions Change Over a Lifetime
00:50 Stage 1: Early Adulthood (20s–Early 30s) Building the Foundation
04:23 Why Early Financial Mistakes Rarely Ruin Retirement
06:22 Stage 2: Midlife Accumulation (Mid-30s–50s) Peak Saving Years
07:27 Loss Aversion Takes Over in Midlife
10:51 Stage 3: Pre-Retirement (Late 50s–Early 70s) The Danger Zone
12:00 Sequence of Returns Risk Anxiety Peaks
12:37 The Hidden Retirement Problem: Chronic Underspending
14:09 What Retirement Research Really Says About Income
15:30 Stage 4: Later Retirement (Mid-70s+) Spending Confidence Shifts
18:06 The Three Biggest Lifetime Financial Shifts (Data-Backed)
18:16 Accumulation to Decumulation: The Hardest Transition
18:55 Why Risk Tolerance Is Emotional Not Linear
19:29 Why Feeling Safe Often Conflicts With What Actually Works
20:43 Bloopers

Sources:

Advertisement

Empower: https://www.empower.com/the-currency/money/average-portfolio-mix-by-investor-age

RAND: https://www.rand.org/pubs/research_reports/RRA2355-1.html

Protected Income:
https://www.protectedincome.org/wp-content/uploads/2025/03/RP-30_BlanchettFinke_v3.pdf

Harvard Library: https://dash.harvard.edu/entities/publication/73120378-8460-6bd4-e053-0100007fdf3b

Advertisement

Vanguard: https://workplace.vanguard.com/insights-and-research/report/how-america-saves-2025.html?cmpgn=IIG:TL:HAS:HAS25:SRCH:PS:XX:TL:GG:Known:Phrase:TLEAD:20250624:BD:NONE:RTG:KW:AmericaSavesReport&gclsrc=aw.ds&gad_source=1&gad_campaignid=22698817639&gbraid=0AAAAADyd_RXVsuOOZrNSdn8kV_lC5NsJ8&gclid=CjwKCAiAjojLBhAlEiwAcjhrDqKDdFRj7U_vNzFb4ATQnO0J9BCKtvAz_NM3-Fh04zkZbsxfwLaX-xoC48YQAvD_BwE

Morningstar: https://www.morningstar.com/business/insights/research/the-state-of-retirement-income?gad_source=1&utm_id=n&utm_term=retirement+portfolio&gad_campaignid=23329984011&gclid=CjwKCAiAjojLBhAlEiwAcjhrDlgAd6btUzK7KX2XpUmuGwVUDWa6hi7lx-9LpTLTGcYlzzoBgFQHTRoC7KQQAvD_BwE&utm_campaign=res_apac_n_n_en_2512_tf_nb_n_rgsnbstateofretirementus&utm_medium=cpc&gbraid=0AAAAACr_AGnsGZcQGjD_CILqjtw1p50NJ&utm_content=engine:google|campaignid:23329984011|adid:787071742473&utm_source=google

Some of my favorite books: https://amzn.to/3KF3tlr
Camera & equipment I use: https://amzn.to/3Z20lof

Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

Advertisement

Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney

Thanks for watching, I appreciate you!

source

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Video

MORAD – NO MONEY [VIDEO OFICIAL]

Published

on

MORAD - NO MONEY [VIDEO OFICIAL]



LYRICS BY MORAD
PROD. BY G NUVIALA, SHB & LAN
VIDEO DIRECTED BY IVAN SALVADOR
COLOR BY STEPZ
TRANSCRIPTION GONCALO FERNANDES

“NO MONEY” ya disponible en plataformas: https://orcd.co/nomoney_morad

SĂ­gueme:
https://orcd.co/el_moraddd_instagram
https://orcd.co/el_moraddd_twitter

source

Continue Reading

Video

Understanding & Reading Financial Statements

Published

on

Understanding & Reading Financial Statements



Chapters:
00:00 – Understanding The 3 Key Financial Statements
01:19 – Income Statement
01:55 – Statement of Cash Flows
02:37 – Simplified Balance Sheet
03:18 – Current vs. Non-Current
04:02 – Balance Sheet Demonstration
06:05 – Deferred Income Tax
07:42 – What Is Goodwill?
08:29 – Intangible Assets & Unearned Revenue
09:31 – Commitments & Contingencies
10:28 – Common vs. Preferred Shares
11:55 – Contributed Surplus
12:55 – Other Comprehensive Income
13:20 – Statement of Shareholders’ Equity
13:56 – The Full Disclosure Principle
14:30 – 3 Key Financial Statements Notes
14:40 – Significant Accounting Policies
15:09 – Indirect Information

Reading Financial Statements | Corporate Finance InstituteÂź
View full playlist: https://www.youtube.com/playlist?list=PLl3-0Xe_motTmt8KU8PQdt2URdOzBFRuX

Copyright © 2015 – 2020, CFI Education Inc. All Rights Reserved.

Enroll in the full course to earn your certification and advance your career: https://courses.corporatefinanceinstitute.com/courses/learn-to-read-financial-statements-free-course

Advertisement

Learn how to read financial statements. In this free course, we use a company’s financial statements and annual reports to understand the financial strength of a company and help us make informed decisions. We learn how to read the balance sheet and its related notes using a company case study, Espresso Software. This will help us understand the financial strength of the company and help us make informed decisions. We’ll also look at the company’s income statement and statement of cash flows and conclude by covering the key contents of an annual report.

About Corporate Finance InstituteÂź

CFI is a world-leading provider of online financial analyst certification and training programs and the FMVA¼ designation. CFI’s financial modeling courses, programs, and certifications have been delivered to tens of thousands of individuals around the world to help them become world-class financial analysts. The financial analyst certification program begins where business school ends to teach you job-based skills for corporate finance, investment banking, corporate development, treasury, financial planning and analysis (FP&A), and accounting. CFI courses have been designed to make the complex simple by distilling large amounts of information into an easy-to-follow format. Our training will give you the practical skills, templates, and tools necessary to advance your career and stand out from the competition.

Learn about the FMVAÂź Certification Program: https://corporatefinanceinstitute.com/certifications/financial-modeling-valuation-analyst-fmva-program/
Explore CFI courses: https://courses.corporatefinanceinstitute.com/collections

Advertisement

Join us on social media:
https://www.instagram.com/corporatefinanceinstitute
https://www.facebook.com/corporatefinanceinstitute.cfi
https://www.linkedin.com/company/corporate-finance-institute-cfi

#FinancialStatements

source

Continue Reading

Video

money from empty bottles

Published

on

money from empty bottles



money from empty bottles



plastic bottle
plastic bottle business
plastic recycling
*
*
*
#bottle
#plasticpollution
#shortsfeed
#trending
#facts

source

Continue Reading

Video

WHY CRYPTO IS DOWN? TRUMP NEWS | BITCOIN UPDATE | Crypto NEWS Today | BITCOIN NEWS| #bitcoin #crypto

Published

on

WHY CRYPTO IS DOWN? TRUMP NEWS | BITCOIN UPDATE | Crypto NEWS Today | BITCOIN NEWS| #bitcoin #crypto



⚠ Disclaimer:-
This is not a financial Advice Video
Trading cryptocurrencies involves risks and may not be suitable for all investors. Please carefully consider your investment objectives and risk tolerance before trading. Remember, any form of offering does not guarantee returns on investment. Our content provides general market commentary and does not constitute investment advice. We do not accept liability for any losses incurred from reliance on our information. Your financial decisions are your responsibility.

source

Continue Reading

Video

Who’s your favorite girl in Digital Circus? [Money Money Green green meme] #shorts #trend

Published

on

Who's your favorite girl in Digital Circus?  [Money Money Green green meme] #shorts #trend



#theamazingdigitalcircus #digitalcircus #tadc #moneymoneygreengreen #moneymoney #meme #pomni #ragatha #gangle #zooble #dancememe #빾니빾니 #디지턞서컀슀

source

Continue Reading

Video

Crypto Gold Live Trading 5 Feb – stock_learners

Published

on

Crypto Gold Live Trading 5 Feb - stock_learners



Google form – https://forms.gle/ButP7QgnUnmiiTZ76

✅XM – https://www.xm.com/gw.php?gid=259490
XM code GT100

Got Mentorship – https://eiqxoc.courses.store/399440
✅ COIN DCX https://join.coindcx.com/invite/zcn8V
VANTAGE -Link : https://affs.click/rcnyn
PARTNER CODE – GAUTAM

EXNESS – https://one.exnessonelink.com/a/lrrplmgmau
exness partner code – lrrplmgmau

Advertisement

✅Mentorship link- https://eiqxoc.courses.store
Telegram – https://t.me/stocklearners

#livescalping#scalping
#midcaplivetrading
#trading
#livetradingBTC
#CRYPTO

source

Continue Reading

Video

My Family is Shaming Me for Not Giving Them Money

Published

on

My Family is Shaming Me for Not Giving Them Money



đŸ’” Start eliminating debt for free with EveryDollar – https://ter.li/3w6nto

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message – https://www.ramseysolutions.com/shows/the-ramsey-show/email

Next Steps:
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan – https://ter.li/5h1r0i
đŸ“±Download your free Ramsey Network app today! – https://ter.li/cvqzyb

Explore More Shows from Ramsey Network:
đŸŽ™ïž The Ramsey Show ⼕ https://ter.li/rqwdws
🍾 Smart Money Happy Hour ⼕ https://ter.li/tmj3vq
🧠 The Dr. John Delony Show ⼕ https://ter.li/s5yazz
💰 George Kamel ⼕ https://ter.li/dc2gee
💡 The Rachel Cruze Show ⼕ https://ter.li/a6emrr
đŸȘ‘ Front Row Seat with Ken Coleman ⼕ https://ter.li/iwafu6
📈EntrLeadership ⼕ https://ter.li/g7s9g0

Advertisement

Ramsey Solutions Privacy Policy
https://www.ramseysolutions.com/company/policies/privacy-policy

Product Links:
Total Money Makeover: https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/?srsltid=AfmBOoo2L31D-687kUhfmOl5i3Fqdvg1-OOGrpbPon6EC39aAzApbjLOxnA&utm_content=YT3-IvUl-f4l4INXlgfLQgc9ox5Xk470NzVmZgrxkiXbZfl6HRQIUuuFNvgKJZMIkm3jxhMQXTGoAcYjz1sDGEipNhfKGriwy50wnMuD81qYWw&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
Questions for Humans: Couples https://store.ramseysolutions.com/personal-growth/conversation-cards/questions-for-humans-couples/?srsltid=AfmBOore7pM0L47JFSh7OSi3Cdnvxue8GRIcldeUp3V8–1WaVuPrETmpfo&utm_content=YT3-bsTwF3W0jeyJenG6oNzdmHnQIB4G7Cwa0c1-8j3S2ai2J_GbucWXrlG6asDVn1ueu-qARHIWlDtM5McH4QGuo8my9YWQ2umsZxha9bTWpA&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
New! 2025 Ramsey Goal Planner: https://store.ramseysolutions.com/personal-growth/books/ramsey-goal-planner/?srsltid=AfmBOorw-BZsoX-FVD1QT7J1C2Az05oKd1y9ymklJ0h9xOQEDuNzZn8EJzQ&utm_content=YT3-eCsuX4-xiw9nfO5Oiy-CsrB4R2O9jVuTxzvrzxnxHPEZb9Ps_CpVH1Wm7of6z8nPEwY8C-lpWFDY_9vD7llBPDyH6-iGiRlOy3J7XKGkPA&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
EveryDollar Premium Version Physical Gift Card: https://store.ramseysolutions.com/money/tools-and-apps/everydollar-premium-version-physical-gift-card/?srsltid=AfmBOoo_RBWRiiPGVBR7xldQrImoxA-CLIJP0qrzPWOC835Ed7uFBzpzO7w&utm_content=YT3-drDoqITgDdvNqvnLYSlEb6us6pragGlaGzJ7gDN7vUmJ5D-QYeZwq6Wb5qy_aPjQaf1UyCIBOSQuq3qK5uWclNTF3YN3Pc7oMFeXs8R5gA&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
Baby Steps Millionaires: https://store.ramseysolutions.com/money/books/baby-steps-millionaires/?srsltid=AfmBOooQ-z7E0NCmlTreR5hZRmnlyqw65if-f-FefSFRdQMKHeH2-0zn5ME&utm_content=YT3-k_9UjCya_igJcwUqvnKrz18DqX4JYUrSGSZqELgGGj3btkkH5Wfta0rcYhd8dpQSDYGmWXb6d_igYmsH9NMy8HnW6rn3vmioW03rlpMW_g&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
Building a Non-Anxious Life https://store.ramseysolutions.com/personal-growth/books/building-a-non-anxious-life-by-dr-john-delony/?srsltid=AfmBOoqBOPJsdZytDjwoEUrj9hYI0YYTFacFpAGKhiFB4f3CQ_HagdyKDXg&utm_content=YT3-Mazzp2MBOZrHQ1zDS_EwoI7Jmd4kuFeJAjp1uV_mfHxL5k9ZfKQGm5xWuUjryhG2PntDrCYZ9adtGtnMpixSU-TCH8U26lHJSMXR5iMUQg&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
New! Breaking Free From Broke https://store.ramseysolutions.com/money/books/breaking-free-from-broke-by-george-kamel/?srsltid=AfmBOoqg2tmzTJm-QJLkfwvZyyO4Ur5CoJsDMo1xb_VXoKMIyhgA2nA0NSs&utm_content=YT3-ezsswV9tyVa8rWh_0AQ2dDgHPSnGJ88GFyKnAzXkuIiXbw6kHEoqcpKndrO03ygdQ3_fsS_tAsKrZ0bcibDgAHXMx-DPRRBDj3QUiGo9-A&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
New! Get Clear Career Assessment: Find the Work You’re Wired to Do https://store.ramseysolutions.com/business-and-career/books/get-clear-career-assessment-by-ken-coleman/?srsltid=AfmBOoq-R1r9adZL5ANIxetJ5xuLfsDkSw0CVLyrmOL0d9gNUF2CEoWogLE&utm_content=YT3-khaXlZkd7NOrpVpq8EUY5f_HNrWBxWdek5FqKGwv7sil68ynkwfD0nuy-NlQSu9e1RN6lrZRxQQd7mJ_r4E5SUmG_lLemxqj1VGKrZkpow&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube
Know Yourself, Know Your Money https://store.ramseysolutions.com/money/books/know-yourself-know-your-money-by-rachel-cruze/?srsltid=AfmBOoqgDh-mskdwDrspH-8GTQXkiaKs7-1pETlHnKjDDdTQUsBE5l8EwEA&utm_content=YT3-HBGCZgJLk2WLUDwSaC0UL-CR043IdPoZ73a5g4grlZCUl8LZAD4DP1FRkBeBbIPmWR4RPG_vLcKOLcWtBUxrTSWZefdn0RsGLl0VRBActg&utm_term=UC7eBNeDW1GQf2NJQ6G6gAxw&utm_medium=product_shelf&utm_source=youtube

source

Continue Reading

Video

Bitcoin Bottom Hit | $90K Is Next? | Crypto Market Updates | Bitcoin Updates

Published

on

Bitcoin Bottom Hit | $90K Is Next? | Crypto Market Updates | Bitcoin Updates



Forerx Discord Server: https://discord.gg/forexacademy
Crypto Discord Server: https://discord.gg/cryptomobi

WhatsApp Channel: https://whatsapp.com/channel/0029VbBwYl3CRs1p869URt2g

In today’s crypto market update, we analyze whether Bitcoin has finally formed its bottom and if a $90,000 price target could be next for BTC. After weeks of volatility, traders are asking one key question: Is this the reversal point or just another bull trap?

In this video, we break down:

Advertisement

📊 Bitcoin technical analysis and support zones
📈 Key resistance levels toward $90K
📰 Latest crypto market news and sentiment
💡 On-chain signals and volume behavior
⚠ Risk factors that could invalidate the move
🔍 Altcoin reaction and market structure
💰 What smart money may be doing right now

Whether you are trading Bitcoin short-term or holding for the long run, this breakdown will help you understand the next major BTC move and how the broader crypto market is reacting.

If you want daily Bitcoin updates, real-time crypto analysis, and professional market insights, make sure to subscribe and turn on notifications.

This video is for educational purposes only and not financial advice. Cryptocurrency trading involves risk. Always do your own research before investing.

source

Advertisement
Continue Reading

Video

Lisa – Money (Live Performance)

Published

on

Lisa - Money (Live Performance)



Follow me
Instagram:-
https://www.instagram.com/_rio69_/

Thank you guys so much for watching this video, if you guys want some more like this check out my channel and Subscribe it.

🌟 LIKE
🌟 COMMENT
🌟 SUBSCRIBE
🌟 SHARE

Disclaimer :-
Video is for educational purpose only. Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for ‘fair use’ for purposes of such as criticism, comment, news, reporting, teaching, scholarship and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational and personal use tips the balance in favour of fair use.

Advertisement

Disclaimer :-
Please don’t give us any strike to our channel, if the owner of the music have any problem with this video contact us.

Once again Thank You so much.

#rio
#lisa
#lisamoney
#lisamoneydance
#blackpink
#kpop
#blackpinklisa
#money
#moneysong
#youtubeshorts
#shorts
#ytshorts
#youtubemusic
#popmusic
#englishsongs
#englishsong
#hiphop
#hiphopmusic
#trap
#electrohouse
#music
#electronicmusic
#edm
#bigroom
#hardstyle
#dubstep
#psytrance
#electronicdancemusic
#tomorrowland
#ultramusicfestival
#edc
#sunburnfestival

source

Advertisement
Continue Reading

Video

Market View | 13th Feb – Stocks You Need to Watch #stocks #finance

Published

on

Market View | 13th Feb - Stocks You Need to Watch #stocks #finance



Join us in this episode of Market View as we delve into the latest market trends and highlight the top stocks you need to watch on February 13th. From analyzing key market indicators to identifying potential investment opportunities, our expert analysis will provide you with the insights you need to make informed decisions. Whether you’re a seasoned investor or just starting out, this video is perfect for anyone looking to stay ahead of the curve in the world of finance and stocks. Tune in to discover the stocks that are making waves in the market and learn how to navigate the ever-changing landscape of the financial world.

source

Continue Reading

Trending

Copyright © 2025