Halaman ini hanya untuk tujuan informasi. Layanan dan fitur tertentu mungkin tidak tersedia di yurisdiksi Anda.

How Understanding Your Money Emotions Can Transform Financial Decisions

Why Your Money Emotions Matter

Money is more than just a means of exchange—it’s deeply tied to our emotions, decisions, and even our sense of self-worth. According to Mary Clements Evans, a certified financial planner and author of Emotionally Invested: Outsmart Your Anxiety for Fearless Retirement Planning, understanding the emotional drivers behind your financial choices can be the key to smarter money management. Whether it’s fear of missing out (FOMO) or fear of running out (FORO), these emotional triggers often dictate how we save, spend, and invest.

Evans explains, “The smartest, most well-educated people make poor financial decisions because their money why is not in a good spot.” By identifying your “money why”—the underlying reason behind your financial actions—you can start making decisions that align with your long-term goals rather than impulsive emotional reactions.

FOMO vs. FORO: The Emotional Tug-of-War

Evans categorizes money emotions into two primary drivers: FOMO and FORO. People driven by FOMO are hyper-focused on the present, prioritizing immediate gratification like vacations, luxury purchases, or home renovations. On the other hand, FORO individuals are fixated on the future, often consumed by fears of not having enough for retirement or emergencies. While both mindsets have their merits, they can lead to financial imbalances if left unchecked.

“Most people have shades of both FOMO and FORO,” Evans notes. Recognizing which tendency dominates your financial behavior can help you strike a healthier balance between enjoying the present and securing the future.

The Shift in Retirement Planning

Retirement planning has undergone a seismic shift over the past few decades. Once dominated by employer-sponsored pensions, the responsibility for saving has largely shifted to individuals. Evans highlights how this transition has left many Americans overwhelmed and underprepared. “You’re busy doing your job, raising kids, maybe taking care of parents. And in your spare time, you’re supposed to have complete knowledge about the most complex system there is on earth,” she says.

With extended lifespans, saving for retirement is no longer about funding a few golden years—it’s about ensuring survival for potentially 20 or 30 years post-retirement. Evans emphasizes the importance of starting early and saving consistently, even if the goal feels daunting.

Removing Shame and Blame Around Money

One of Evans’ core messages is the need to eliminate shame and blame from financial conversations. “Shame doesn’t work,” she asserts. Many people, regardless of their income or education, feel guilt or embarrassment about their financial choices. This emotional baggage often prevents them from seeking help or making proactive changes.

Evans encourages individuals to focus on empowerment and education. “It’s never too late to become smarter savers and investors,” she says. By understanding your money why and addressing emotional barriers, you can take control of your financial future.

Finding the Right Financial Adviser

Navigating the world of financial advice can be tricky, especially given the lack of standardized qualifications in the industry. Evans recommends seeking advisers with reputable certifications, such as the Certified Financial Planner (CFP) designation, which requires rigorous training and ongoing education.

“The most important thing people need to realize is that in our industry, there are no standards,” Evans warns. Doing your homework and asking the right questions can help you find an adviser who aligns with your needs and values.

Final Takeaway: Empowerment Through Understanding

Evans’ ultimate goal is to help people feel empowered rather than overwhelmed by their finances. By identifying your money why, addressing emotional triggers, and seeking the right guidance, you can make decisions that lead to a more secure and fulfilling financial future.

As Evans puts it, “Removing shame and blame is a good thing. And it’s never too late to be empowered, become smarter savers and investors, so you can ultimately enjoy a more secure and worry-free retirement.”

Understanding your relationship with money isn’t just about numbers—it’s about emotions, habits, and the stories we tell ourselves. By taking the time to explore these deeper connections, you can transform your financial life for the better.

Penafian
Konten ini hanya disediakan untuk tujuan informasi dan mungkin mencakup produk yang tidak tersedia di wilayah Anda. Konten ini juga tidak dimaksudkan untuk memberikan (i) nasihat atau rekomendasi investasi; (ii) penawaran atau ajakan untuk membeli, menjual, ataupun memiliki kripto/aset digital, atau (iii) nasihat keuangan, akuntansi, hukum, atau pajak. Kepemilikan kripto/aset digital, termasuk stablecoin dan NFT, melibatkan risiko yang tinggi dan dapat berfluktuasi dengan signifikan. Pertimbangkan dengan cermat apakah melakukan trading atau memiliki kripto/aset digital adalah keputusan yang sesuai dengan kondisi finansial Anda. Jika ada pertanyaan mengenai keadaan Anda, silakan berkonsultasi dengan ahli hukum/pajak/investasi Anda. Informasi (termasuk data pasar dan informasi statistik, jika ada) yang muncul di posting ini hanya untuk tujuan informasi umum. Meskipun data dan grafik ini sudah disiapkan dengan hati-hati, tidak ada tanggung jawab atau liabilitas yang diterima atas kesalahan fakta atau kelalaian yang diungkapkan di sini.

© 2025 OKX. Artikel ini dapat direproduksi atau didistribusikan seluruhnya, atau petikan sebanyak 100 kata atau kurang dari artikel ini dapat digunakan, selama penggunaan tersebut bersifat nonkomersial. Setiap reproduksi atau distribusi dari seluruh artikel juga harus dinyatakan dengan jelas: “Artikel ini © 2025 OKX dan digunakan dengan izin.“ Petikan yang diizinkan harus mengutip nama artikel dan menyertakan atribusi, misalnya “Nama Artikel, [nama penulis jika ada], © 2025 OKX.“ Tidak ada karya turunan atau penggunaan lain dari artikel ini yang diizinkan.

Artikel Terkait

Lihat Selengkapnya
trends_flux2
Altcoin
Trending token

Exploring the World of AI Agents in Crypto

Introduction to AI Agents in Crypto AI agents have emerged as a significant trend within the crypto sector, offering unique capabilities that differentiate them from traditional AI models. These agents can perform tasks, make decisions, and interact with their environment autonomously, without human intervention. This self-execution and learning ability have generated considerable excitement, leading to rapid growth in projects focused on AI agents.
21 Mei 2025
trends_flux2
Altcoin
Trending token

Bitcoin's Rollercoaster Week: Ethereum Dips Amid Liquidations and Inflation Concerns

Bitcoin Hits $106,000 Before Tumbling Back Bitcoin experienced a volatile start to the week, surging to $106,000 before slipping 3.8% to $102,450 within hours on Monday. This dramatic movement led to $178.46 million worth of liquidations in the past 24 hours, according to CoinGlass, with an almost equal split between long and short positions.
20 Mei 2025
trends_flux2
Altcoin
Trending token

Crypto Dollars Surge: Why Stablecoins Are Reshaping the Financial Landscape

Introduction: The Rise of Crypto Dollars Stablecoins, often referred to as "crypto dollars," are rapidly gaining traction in the financial world, offering a unique blend of stability and blockchain innovation. These digital assets, pegged to fiat currencies like the US dollar, have become a cornerstone of the cryptocurrency ecosystem. As young, crypto-curious investors seek alternatives to traditional finance, stablecoins are emerging as a key player in reshaping global monetary systems.
20 Mei 2025
trends_flux2
Altcoin
Trending token

Jerome Powell Warns of Persistent Supply Shocks Amid Economic Uncertainty

Federal Reserve Chair Highlights Risks of Supply Shocks Federal Reserve Chair Jerome Powell has issued a stark warning about the potential for more frequent and persistent supply shocks in the U.S. economy. Speaking at a conference in Washington, D.C., on May 15, 2025, Powell emphasized the challenges these disruptions pose for both the economy and central banks. His remarks come at a time of heightened economic uncertainty, with the Federal Reserve recently deciding to hold interest rates steady.
19 Mei 2025
trends_flux2
Altcoin
Trending token

Crypto Token Surge: Why Young Investors Are Eyeing Ethereum and Solana

Ethereum and Solana Lead the Charge in Crypto Market Momentum The cryptocurrency market is buzzing with activity as Ethereum (ETH) and Solana (SOL) emerge as key players in recent developments. Young, financially savvy investors are increasingly drawn to these tokens, not just for their technological innovation but for their potential to reshape the digital economy. Here's why these tokens are making headlines and what it means for the future of crypto.
19 Mei 2025
1
trends_flux2
Altcoin
Trending token

Crypto Broker Insights: Why Token Trends Are Shaping the Future of Digital Finance

Introduction: The Role of Brokers in Crypto's Rapid Evolution In the fast-paced world of cryptocurrency, brokers are emerging as pivotal players in shaping the market's trajectory. As digital assets gain mainstream traction, brokers are not only facilitating transactions but also influencing token trends that could redefine the future of finance. This article dives into the latest developments, exploring why these shifts matter for young, crypto-curious investors eager to stay ahead.
19 Mei 2025
Lihat Selengkapnya