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PhD psychologist decoding the psychology of money to help you think smarter and grow wealth with clarity.

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Substack
PricingOnly free issuesPublishesDaily
Issues190Founded2 years agoLast Issue6 days ago
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Artwork for Financology

Latest Issues

The Shiny Suit Trap: How to Spot a Financial Charlatan

Ryan exposes the psychological tricks and selective storytelling used by “shiny suit” financial gurus to separate you from your money. Drawing on the famous World War II example of Abraham Wald and the bomber planes, Ryan unpacks the danger...

6 days ago

Future You Is Paying

Listen to a podcast-style discussion of this article or download it here


Convenience isn’t a discount on effort. It’s a standing arrangement

The Tap

Out the back of a house somewhere, there’s a garden tap that doesn’t quite c...

6 days ago
3
1

The Five Gardens: Why Financial Wealth is Only 20% of a Rich Life

Ryan challenges the traditional metric of measuring success solely by a bank account, warning that focusing only on money can leave you profoundly malnourished in other critical areas of life. Drawing on Sahil Bloom’s concept of the five ty...

8 days ago
1

Why Calm Investors Usually Win

Listen to a podcast-style discussion of this article or download it here

Subscribe to Value Investing


How do you stay calm, patient, and clear-headed when the market is screaming the opposite?

Most investing advice online seems de...

9 days ago
8

Two Words That Change Everything: "I'm Responsible"

Ryan strips financial success down to its core, arguing that taking total internal responsibility is the single most powerful factor in building wealth. Through the allegory of two farmers—Casey, who blames the weather, and Jordan, who focu...

13 days ago

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Authors

The writers behind this newsletter.

  • Ryan | Master Money Psychology

    PhD psychologist studying why smart people keep making bad decisions with money. If you already know what you should be doing but can't seem to follow through, that's a psychology problem and that's exactly what I write about.

  • Denis Gorbunov

    Financial freedom is the goal. Make your money work for you. Let's take you to seven figures.

  • Derek Hughes

    Most people assume a $60K business takes over your life. Mine runs in a few hours a day. I'll help you turn what you know into a real income — through coaching, cohorts, AI tools, and digital products.

  • David

    Podcast Producer

  • Amber DeLeo, CFA

    Institutional investing applied to real family wealth. Financial freedom from a professional investor’s perspective. Wealth building from one parent to another. All views are my own. Not financial advice.

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