A diagnostic of your hidden financial self
You believe you make financial decisions through careful reasoning. You are largely wrong — and so is everyone else. Decades of research show that human financial behaviour is shaped by invisible forces: cognitive shortcuts, social defaults, emotional triggers, and status anxieties that operate beneath conscious awareness.
This tool will walk you through a series of realistic financial scenarios. You'll make choices that feel deliberate and rational. Then it will show you exactly which bias drove each one, and what that reveals about the gap between your perceived and actual agency.
"The problem is not that people are irrational. It is that they are rational in ways they do not understand."
— Richard Thaler, Nobel Laureate in Economics