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.

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:

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

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.

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

Thanks for watching, I appreciate you!

source

✅Follow On Telegram – – – —
https://t.me/thepatiencetraders

✅Follow On X – – – —
https://x.com/vivekofficialyt?t=mxNuq3hZu1bt1cUljjDjbw&s=09

✅Follow WhatsApp Channel – https://whatsapp.com/channel/0029Vag3Cc47oQhaIzC4Vy10

———————————————————————————————————————–
✅ FIU REGISTERED EXCHANGE
BINANCE – https://www.binance.com/join?ref=510597364
————————————————————————————————————————————————————–

“Join me in this live bitcoin trading session, where we dive deep into real time price analysis and profitable trading strategies.whether you are new to crypto or a seasoned trader, you’ll learn how to navigate the market, sport key trends, and make informed trades. do, not miss out on live update and prediction as well break down bitcoins price movements!”

Join Our Membership For Fast Comment –
https://www.youtube.com/channel/UCn_j_bZHFpbTTTADXUGAb7w/join

————————————————————————————————————————————————————–

🚨Disclaimer – – – –
The information provided during this stream is for educational and informational purposes only. it does not constitute financial advice, investment recommendation involves high risk, and you should not trade with moneynyou cannot afford to loss. Always conduct your own research, consult with a financial advisor, and make decisions bases on your personal circumstances. the content shared in this stream reflects my personal opinions and may not be suitable for everyone.

🚨”Disclaimer: Forex and CFD trading involve significant risk and may not be suitable for all investors. Exness is an offshore broker and is not regulated by SEBI (Securities and Exchange Board of India). Indian laws allow forex trading only on SEBI-approved exchanges and INR-based currency pairs. Trading with an offshore broker may lead to legal and financial risks, including potential issues with fund withdrawals or regulatory actions by RBI or SEBI. Please do your own research and consult a financial advisor before investing.”
————————————————————————————————————————————————————–

#bitcoin
#live
#cryptolive
#bitcoinlive
#btc

source

Enquiries:
talk2gobinath@gmail.com

#Gobinath #npci #rbi #reservebankofindia #upi #upisafety #upiscam #upifraud #awarness #upitransactions #digitalpayments #googlepay #phonepay #paytm #cybersecurity #onlinescam #financeawareness #digitalindia #thegobinathpodcast

India leads the world in UPI transactions — from rural shops to big corporations, billions of payments move instantly every month.
But with speed comes risk, scams, and critical awareness gaps.

In this episode of the Gobinath Podcast, we sit down with Vishwanath Krishnamurthy, Chief Risk Officer (CRO) at National Payments Corporation of India (NPCI) — the organisation that powers and safeguards India’s UPI ecosystem.

This is a must-watch episode for every UPI user — from first-time users to daily digital payers.

🎙️ What you’ll learn in this episode:
• What UPI really is and how apps like Google Pay, PhonePe, and Paytm work behind the scenes
• Why India processes 21 billion+ UPI transactions every month
• The real reason ₹1000+ crore is lost in UPI scams — and why it’s not a technology failure
• How banks, NPCI, RBI, and law enforcement work together to protect your money
• Common scams: fake bank calls, phishing links, investment scams, and digital arrest frauds
• Why one OTP is enough to empty an account
• What NPCI V-Score, AML score, device binding, and two-factor authentication actually mean
• When and why UPI allows ₹2 lakh transactions (Safe MCCs like hospitals, insurance, IPOs, mutual funds)
• The future risk of AI-powered deepfake voice and video scams
• What to do immediately if you fall victim to a scam (1930 & cybercrime.gov.in)

🧠 One simple mantra repeated throughout the episode:

Think. Pause. Act.
Payments are instant — decisions should not be.

⸻

📌 Help & Reporting:
• Cybercrime Helpline: 1930
• Online Reporting: cybercrime.gov.in

⸻

Stay informed:

👍 Like
💬 Share with friends & family
🔔 Subscribe for more awareness-driven conversations

UPI is safe — awareness is your strongest protection.

__________________

source

The Senate version of the Clarity Act introduces new provisions that could impact self custody, stablecoin yield, and how XRP holders interact with exchanges and wallets under U.S. law.

This video breaks down what changed between the House and Senate bills, why Democrats are opposing the current draft, how banks and exchanges are split, and why retail crypto holders may be exposed as market structure legislation moves forward.

Timestamps
00:00 Why the Clarity Act suddenly matters for XRP holders
01:02 Claims about self custody risk in the current bill
02:07 Genius Act and stablecoin provider favoritism
03:10 Centralization concerns and CBDC implications
05:02 White House pressure to pass market structure
06:13 Banks versus crypto firms on yield and custody
07:21 How the Senate expanded the Clarity Act
08:10 Why Democrats reversed support
09:32 Ethics concerns and political conflicts
10:45 What this means for retail crypto holders
14:58 Timeline for a possible Senate vote

If you follow XRP, the Clarity Act, CBDC, institutional crypto adoption, regulated digital assets, global payments and settlement infrastructure, this breakdown provides important context on where markets are heading next.

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

🔵 Uphold | Trade, Spend & Earn XRP
➖ U.S. Debit Card: https://uphold.sjv.io/559kj9
➖ Uphold Website: https://uphold.sjv.io/dOmGMq
➖ XRP Rewards: 4% Elite Card / 2% Virtual Card

🔗Contact & Collaborations
▸ Business: cryptosensei@cryptonairz.com
▸ Collabs: BD Manager | @Jaalyn_T (Telegram)
▸ Collab Form: https://forms.gle/E6fskio5BBvd4zVn9
▸ Social Links: https://linktr.ee/Crypt0Sensei
(Partnerships & Brand Deals Only | No Agencies)

⚪FREE XRP Newsletter | https://joincryptonairz.com/Newsletter

🔴Full Legal & Regulatory Disclaimer
https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #CryptoRegulation #ClarityAct #InstitutionalCrypto #SelfCustody #Stablecoins

source

Financial Literacy

Financial Literacy

PMEGP – Prime Minister’s Employment Generation Programme

Expert: Deepak Khaidem
Sr. Branch Manager, BOI, Lamlong Bazar

Interviwer : Pinky Okram

Producer – L. Rupesh

source

📰Subscribe to my FREE Finance Newsletter now – weekly crypto & market insights delivered to your inbox: https://dashboard.levicryptocrusaders.com/newsletter

💰Join our FREE Crypto Signals & Trading Group now – get real-time alerts and alpha daily: https://levicryptocrusaders.com/

⚠️ DISCLAIMER – READ FIRST
This video is not financial advice. It is for educational and entertainment purposes only. I may earn a commission through some of the links below — at no extra cost to you.
Crypto-assets are highly volatile and involve significant risk. These offers are intended for experienced users only and may not be available in your region. Always verify local laws before registering or trading on any platform.

✩ALL SOCIALS ✩
https://linktr.ee/levicrypto
——————-
#crypto #xrp #hbar #altcoins #altcoin
——————–
LEGAL & REGULATORY DISCLAIMER

1. Corporate Entity & Content Purpose
This channel is operated by a registered business entity. All content is intended solely for informational and entertainment purposes and reflects the opinion of the channel as an entity.

2. No Financial, Legal, or Tax Advice
I am not a licensed financial advisor. Nothing in this content should be construed as financial, investment, legal, or tax advice. Viewers should consult qualified professionals before making investment decisions.

3. Sponsorships & Affiliate Relationships
This video may contain sponsored content and/or affiliate links. I may earn a commission if you use these links, at no additional cost to you. I only promote platforms I personally use or believe in — but you are responsible for conducting your own due diligence.

4. Geographic Restrictions
This content is not intended for residents of the United Arab Emirates, United Kingdom, United States, Canada or any other jurisdiction where the promotion of virtual assets is restricted or prohibited.

If you are located in such a region, do not engage with or act on this content.

5. Crypto Risk Warning
Crypto-assets are speculative and involve substantial risk, including:
• Loss of capital
• Extreme volatility
• Limited liquidity
• Irreversible transactions
• Potential for fraud, theft, or manipulation
No form of investor protection or legal recourse is guaranteed. Engage at your own risk.

6. No Outcome Guarantees
I make no representations regarding the accuracy, timeliness, or results of any strategies or opinions shared. No profits or outcomes are guaranteed. You bear full responsibility for any decisions made.

7. Content Updates
Information may become outdated. I reserve the right to change, update, or remove content without notice.

8. MiCA & EU/Canada Compliance Notice
In accordance with the EU Markets in Crypto-Assets Regulation (MiCA):
• This content does not constitute financial promotion or investment advice under MiCA.
• Crypto-assets discussed may not be suitable for all investors and are not protected by any EU Or Canada deposit guarantee or investor compensation scheme.
• All statements made are intended to be fair, clear, and not misleading.
• If you reside in the EU or Canada, ensure your engagement with this content complies with local laws and regulations.

source

How To End Money Fights With Your Spouse

Order my brand-new book, “Know Yourself, Know Your Money”! https://bit.ly/2LIclKS

Start Budgeting for free with EveryDollar: https://bit.ly/3OnaVkl

Watch and subscribe to all The Ramsey Network shows here: https://www.youtube.com/c/TheRamseyShow/channels?view=49&shelf_id=5

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

Products:
EveryDollar Premium Version Physical Gift Card: https://store.ramseysolutions.com/money/tools-and-apps/everydollar-premium-version-physical-gift-card/?utm_medium=product_shelf&utm_source=youtube
I’m Glad for What I Have by Rachel Cruze: https://store.ramseysolutions.com/youth/children/im-glad-for-what-i-have-by-rachel-cruze/?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/?utm_source=youtube&utm_medium=product_shelf
Smart Money, Smart Kids: https://store.ramseysolutions.com/money/books/smart-money-smart-kids-by-dave-ramsey-and-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf
The Total Money Makeover: https://store.ramseysolutions.com/money/books/the-total-money-makeover-by-dave-ramsey/?utm_medium=product_shelf&utm_source=youtube
Financial Peace Kids: https://store.ramseysolutions.com/youth/children/financial-peace-kids/?utm_medium=product_shelf&utm_source=youtube
Questions for Humans: Couples: https://store.ramseysolutions.com/personal-growth/conversation-cards/questions-for-humans-couples/?utm_medium=product_shelf&utm_source=youtube
Breaking Free From Broke: https://store.ramseysolutions.com/money/books/breaking-free-from-broke-by-george-kamel/?utm_medium=product_shelf&utm_source=youtube
I’m Glad for Where I Am: https://store.ramseysolutions.com/youth/children/im-glad-for-where-i-am-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf
I’m Glad When I Can Share: https://store.ramseysolutions.com/youth/children/im-glad-when-i-can-share-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf
Know Yourself, Know Your Money Hardcover: https://store.ramseysolutions.com/money/books/know-yourself-know-your-money-by-rachel-cruze/?utm_source=youtube&utm_medium=product_shelf
Baby Steps Millionaires: https://store.ramseysolutions.com/money/books/baby-steps-millionaires/?utm_medium=product_shelf&utm_source=youtube

source

#shorts #3d #money

source

Aye Finance IPO Review | APPLY or AVOID? | Aye Finance IPO GMP, Date & Details #ipo

Aye Finance is coming with its Initial Public Offering. The IPO of Aye Finance IPO bidding opened for subscription on Feb 9, 2026 and will close on Feb 11, 2026. The company plans to raise ₹1,010 crores via IPO.

Should you invest? Watch the video to find out!

Join my WhatsApp channel for daily news updates – https://www.whatsapp.com/channel/0029Va9sVzLKAwEh7vhyEo11

Open your free Demat account with Groww here: https://app.groww.in/v3cO/nbg229p7

Click here to subscribe to my YouTube channel: https://www.youtube.com/channel/UCSKLv0279DNsDTegUsLxdBA?sub_confirmation=1

DISCLAIMER

This content is for educational purposes only. I do not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.

All of the opinions expressed in this video are my own, I was not paid to make this video. Whenever there is a link in any of my videos, if a referral program is available, please assume that you are clicking on a link that will support the channel at no cost to you.

source

Watch PBS News for daily, breaking and live news, plus special coverage. We are home to PBS News Hour, ranked the most credible and objective TV news show.

Sign up for Here’s The Deal with Lisa Desjardins: https://to.pbs.org/41q6E8i
Subscribe for exclusive content in our newsletters: https://www.pbs.org/newshour/subscribe
PBS News podcasts: https://www.pbs.org/newshour/podcasts
Stream your PBS favorites with the PBS app: https://to.pbs.org/2Jb8twG
Find more from PBS News at https://www.pbs.org/newshour
Subscribe to our YouTube channel: https://bit.ly/2HfsCD6

Follow us:
TikTok: https://www.tiktok.com/@pbsnews
X: http://www.twitter.com/newshour
Instagram: http://www.instagram.com/newshour
Facebook: http://www.pbs.org/newshour

source