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Nearly one in three Americans don't track their spending—yet 76% say they're optimistic about improving their finances. That gap between intention and outcome is a thinking problem, not a math problem. In this episode, M.A. Aponte unpacks four cognitive biases that sabotage financial behavior — present bias, anchoring, loss aversion, and identity spending — and shows how building financial literacy improves decision-making across every domain of your life. Whether you're trying to budget better, build wealth, or simply make smarter choices under pr...