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Your Money Guide on the Side

How to Stop Buying a Life That Isn't Yours | Hanna Horvath, CFP®

Your Money Guide on the Side

Tyler Gardner

Business, Education, Entrepreneurship, Investing, How To

4.92.4K Ratings

🗓️ 9 March 2026

⏱️ 44 minutes

🧾️ Download transcript

Summary

As always, a massive thanks to this week's sponsors: Anthropic: I use Claude AI every single day as a thought partner and business strategist. To become more efficient and solve problems more quickly and effectively, check out claude.ai/tyler today. Bilt: If you're not earning rewards from your biggest annual expense (rent and mortgage!), you might just be missing out. Learn more about their three new credit cards and how you can start earning rewards for your biggest expenses at joinbilt.com/tyler. Gelt: And I'll go to my grave with this one: the single biggest mistake I have made in business thus far is not prioritizing finding a tax strategist and partner before anything else. Go to joingelt.com/tyler to see if they can help your business find what it's been missing. And on to the show notes! Most financial advice assumes money decisions are rational. Spend less. Save more. Invest consistently. But in reality, our financial decisions are often driven by psychology, identity, and social pressure far more than spreadsheets. In this episode, Tyler sits down with Hannah Horvath, CFP and writer of Your Brain on Money, to explore why traditional financial advice misses the behavioral side of money — and why understanding your values matters just as much as understanding the math. In this conversation, Tyler and Hannah discuss: Why information alone rarely changes financial behavior How social comparison shapes spending and lifestyle choices Why defining “enough” is more psychological than financial How marketing profits from creating a sense of lack The hidden cost of hyper-convenience and digital isolation Why community and real-world connection matter more than we think The core idea: money is a tool, but if you don’t define what you actually value, it’s easy to spend your life chasing someone else’s version of success. If you’d like to explore more of Hannah’s work, you can find her newsletter Your Brain on Money, where she writes about the psychology and culture behind our financial decisions. And if the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.

Transcript

Click on a timestamp to play from that location

0:00.0

You need to understand your values in order to use money to live the life you want to live.

0:04.0

And a lot of people haven't done this. So if you have not thought through how you want to live your life, how money can help you with that,

0:11.0

what will inevitably happen is somebody else will make that decision for you.

0:16.0

Hello, friends. This is Tyler Gardner, welcoming you to another episode of your money guide

0:22.2

on the side, where it is my job to simplify what seems complex, add nuance to what seems simple,

0:28.3

and learn from, and alongside some of the brightest minds in money, finance, and investing.

0:34.0

So let's get started and get you one step closer to where you need to be.

0:38.3

Today's guest is Hannah Horvath, a certified financial planner who helps people understand why they make the money decisions they make.

0:48.3

I was first drawn to Hannah because she clearly has the expertise, she's a CFP, but she also left

0:56.0

traditional financial planning because she didn't think money or personal finance was as

1:01.3

simple as telling someone they had a 94% chance of being fine in retirement.

1:07.3

After years of watching smart people struggle with simple financial advice, she developed a

1:13.1

three forces framework, revealing how internal psychology, social comparison, and exploitative

1:20.3

systems shape every dollar you spend.

1:24.1

Through her newsletter, Your Brain on Money, Hannah teaches readers that their money problems

1:29.0

aren't personal failures, but predictable responses to forces most people never even see.

1:35.7

So she combines financial expertise with behavioral psychology to create strategies that

1:41.3

actually work with your brain, not against it.

1:44.7

In this episode, we'll address why enough may not be as easy to define as we think, why

1:50.8

making our lives easier and easier through money may actually be contributing to a new

1:56.1

sense of isolation, and we'll even get into a practical step-by-step system to figure out what the next

2:02.3

phase of your money playbook actually should look like. This is a conversation about the forces

...

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