Insights

On money,and everythingthat is not spreadsheets.

Essays on how people behave around money. Each is tagged to the Gene it speaks to. Our denser research lives in Fingene Labs.

All essays

Everything, in order.

01

Knowing Isn’t the Hard Part

Most people can already explain a sensible money plan. The trouble starts somewhere between understanding it and living it.

THE IDEA
5 min
02

Why Your Brain Becomes a Worse Financial Decision-Maker Every Time You Open Instagram

Scrolling is not just a way of spending time. It changes the state you are in when you decide.

CALCULATOR
5 min
03

The Lottery Winner Problem: Why More Money Doesn’t Fix Your Relationship With It

The familiar story of a windfall that goes wrong is usually about habits, not luck.

WILDCARD
7 min
04

You’re Not Bad With Money. You’re Running on Empty.

A budget made at the start of the week does not survive a tired Thursday. That says something about the budget, not about you.

VAULT
6 min
05

Are You a Stacker? Here’s What Your Money Patterns Are Telling You

If automatic transfers feel like relief and surprises feel like threats, this may sound familiar.

STACKER
5 min
06

Are You an Anchor? Here’s What Your Money Patterns Are Telling You

If your week feels better or worse depending on how money feels, this may be your pattern.

ANCHOR
5 min
07

What “Not Your Credit Score” Actually Means

Next to the Behavior Score there is a small pill that says what it is not. Here is why that line matters.

SCORES
5 min
08

What We Mean by “Education-Only”

Fingene will never tell you what to buy, sell or hold. Here is what that promise includes, and why we hold to it.

TRUST
4 min
09

A Stacker, a Wildcard and a Vault Walk Into a Group Chat

Three friends plan one weekend away. Same budget, three very different conversations.

SHAREABLE
4 min
10

Inside Fingene Labs

What the research arm does, how we publish, and what a working paper is and is not.

LABS
6 min
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