More Than Money Episode 4: How Your Psychology Affects Your Financial Decisions

How Your Psychology Affects Your Financial Decisions

“Everything that we know, we learned somewhere.”

In Episode 4 of the More Than Money Podcast, Jake Cuthbert, CFP®, CEO of Educo Advisor Group, sits down with Ray George of MLS Mindful Therapy, a therapist with more than 16 years in the field and over a decade of private practice experience.

Together they explore how psychology, upbringing, and behavior influence the financial decisions people make. Money is often viewed through numbers, but in reality many financial choices are shaped by emotions, early experiences, and learned behaviors.

In this episode we discuss:

• Why money is one of the biggest sources of stress in relationships
• How upbringing and early experiences shape our relationship with money
• Why emotional decision-making can lead to rash financial choices
• ADHD and neurodivergence and how they affect financial habits
• Practical strategies like automation, accountability, and structure
• Why simplifying financial steps helps people follow through
• The importance of authenticity and communication in leadership and workplace culture

This conversation explores the intersection of psychology, behavior, and financial decision-making, and why understanding the human side of money can lead to better outcomes.

Whether you’re trying to make better financial decisions, understand the emotional side of money, or create systems that actually work for you, this episode is for you.

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Securities and advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. This content is for educational purposes only and not personalized financial advice.

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Jake Cuthbert, CFP®, AIF®

Jake Cuthbert is President of Educo Advisor Group and an LPL Financial Advisor with nearly two decades of experience helping individuals, families, and business owners make informed financial decisions. He earned his B.S. in Finance from Grove City College in 2004 and became a CERTIFIED FINANCIAL PLANNER™ professional in 2016.

Jake’s expertise includes retirement income strategies, tax planning, wealth transfer, succession planning, cash flow management, investments, college savings, risk management, and estate planning. His approach reflects Educo Advisor Group’s mission to Educate, Communicate, and Guide through personalized, practical financial strategies.

Jake also serves as President of the Financial Planning Association of Pittsburgh and as a part-time instructor for Duquesne University’s Certificate in Financial Planning program.

Latest posts by Jake Cuthbert, CFP®, AIF® (see all)

• Case Study:Planning a Flexible Retirement - September 3, 2026
• Understanding Behavioral Finance and Overcoming Biases for BetterFinancial Decision-Making - April 27, 2025
• Common Estate Planning Mistakes, Pitfalls, and Weaknesses - April 27, 2025