Understanding Your Money Mindset
Real conversations about how psychology shapes your financial choices
We help people in Taiwan and beyond recognize the emotional patterns behind their spending. Not through lectures, but through practical insights you can actually use.
Martin Chen
Lead Budget Psychology Instructor
I spent fifteen years working in banking before I realized something. People don't struggle with money because they lack information—they struggle because emotions get in the way. That's what I teach now.
How We Actually Teach
Forget dry financial theory. Our approach starts with your actual behavior and works backward to understand why you make the choices you do with money.
- We start by examining real spending patterns, not hypothetical scenarios from textbooks
- Sessions include reflection time—you need space to think about your own habits without judgment
- We use behavioral science research, but explain it in plain language that makes sense
- Every concept connects to practical applications you can try the same week
- Small group discussions let you hear how others navigate similar challenges
Common Obstacles We Address Together
Emotional Spending Triggers
You know that feeling when stress leads straight to online shopping? Or celebrating good news means an expensive dinner? These patterns feel automatic.
Our Approach:
We map out your specific triggers over two weeks. Then we build alternative responses that still address the underlying need—just without the financial hangover.
Budget Resistance
Traditional budgets feel restrictive. They trigger rebellion rather than discipline. Most people abandon them within a month because the system fights their natural psychology.
Our Approach:
We help you design a spending framework that works with your personality, not against it. Some people need detailed tracking. Others just need three simple guidelines.
Money Anxiety Cycles
Worrying about money doesn't actually help you manage it better. But the anxiety keeps you from taking clear-headed action, which creates more to worry about.
Our Approach:
We separate the emotional component from the practical steps. You learn techniques to process financial anxiety while simultaneously building concrete plans that reduce legitimate concerns.
Learning Through Real Scenarios
Our sessions use actual financial situations people face. You'll analyze case studies, discuss psychological patterns, and practice techniques in a supportive environment.
Our Teaching Process
Each program follows a progression that builds awareness before introducing change. We've learned that insight comes first—behavior shifts follow naturally.
Pattern Recognition Phase
You track your spending and emotional states for two weeks without trying to change anything. Just observation. This reveals your authentic patterns before self-consciousness kicks in.
Psychological Analysis
We examine what you discovered through the lens of behavioral psychology. Why do certain situations trigger spending? What needs are being met? What alternative approaches might work better?
Strategy Development
Based on your specific patterns, we design personalized approaches. Some people need accountability systems. Others benefit from environmental changes. There's no one-size-fits-all solution.
Implementation Support
You test your new approaches while we meet regularly to troubleshoot. What's working? What feels forced? We adjust based on real results, not theoretical ideals.
Ready to Understand Your Financial Patterns?
Our next budget psychology program begins in September 2025. Classes meet twice weekly for eight weeks, with optional check-in sessions through November. Limited to twelve participants for meaningful discussion.