Loaded

ACKNOWLEDGMENTS xi     Introduction 1     Chapter 1: When It Comes to Money, We   ve All Got Issues 7     Note 9     Chapter 2: Money Messages 11     We Don   t Talk about Money 11     We Talk about Money Constantly 13     From Freud to Frodo: The Stories We Tell Each Other 15     The Stories We Tell Ourselves 19     Stories Can Help or Hurt 24     Heuristics and Biases Shape Our Stories 26     Identifying Core Beliefs 27     Challenging Core Beliefs 28     Using Science to Our Advantage 32     Notes 32     Chapter 3: Poverty, Privilege, and Prejudice: A Crash Course in the Science of Money Psychology 33     Money and Social Psychology: How Poverty, Privilege, and Comparisons Affect Our Minds and Behavior 35     Poverty: Why Not Having Enough Is a Major Drag 35     Privilege: Why Having an Advantage Is Great ... and Not So Great 46     Prejudice   We   ve All Got It 54     Movin    on Up 59     Money and Cognitive Psychology: How Specific Thinking Patterns Affect Financial Decisions 63     Why Retail Therapy Feels Good: Identity and Ego Depletion 64     Time and Money: Why We Always Want It NOW 70     Thinking in Circles 81     Finances and Emotions 83     Financial Knowledge 87     Making Change 90     Notes 94     Chapter 4: The LOADED Budget: Creating a Human-Centered Money Management Plan 99     What   s Wrong with Your Budget? 100     Where Does Your Money Come from? 102     Assets and Resources 108     Where Does Your Money Go? 114     Rules of Thumb for Creative Resource Management 140     The Asset Test 141     Putting It in All Together: Your Personal Economy 149     Enjoying a Loaded Life: Living in Harmony with Your Money and Your Values 161     Notes 164     APPENDIX A: SELFAe*ASSESSMENTS 167     Write Your Personal Financial Narrative 168     Define Your Core Beliefs 169     Financial Management Behavior Scale 170     Emotions and Money (from HelloWallet   s 2014 Pilot Study) 171     Mental Imagery 172     Behavior Identification Form 173     How Impulsive Are You? 174     Big Five Financial Literacy Questions 175     APPENDIX B: INTERVENTIONS AND EXERCISES 177     Change the Narrative 178     Challenging Core Beliefs: Find a Counterexample 179     Age Progression 180     Future Visualization Exercises 181     Exercises to Combat MoneyThink 182     Affirm Core Values 183     Cash Flow Worksheet 184     Resources Worksheet 185     Expenses and Needs Worksheet 186     Your Personal Economy 187     Just-In-Time Financial Education Resources 188     ABOUT THE AUTHOR 189     INDEX 191