Last Updated: Jan. 21, 2026 at 4:49\u202fp.m. ET
First Published: Jan. 21, 2026 at 8:05\u202fa.m. ET<\/p>\n
Morgan Housel is a financial writer and partner at the Collaborative Fund. He focuses on investor behavior and how psychology shapes economic decision-making. In his 2020 book \u201cThe Psychology of Money,\u201d Housel examined why people make financial choices that often diverge from traditional economic models. His latest work, \u201cThe Art of Spending Money: Simple Choices for a Richer Life<\/a>,\u201d explores patterns in human behavior that persist across economic cycles.\u00a0<\/p>\n In this recent interview, edited for length and clarity, Housel shares his views on saving and investing, the rules people should follow before spending, and the most common spending traps.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Last Updated: Jan. 21, 2026 at 4:49\u202fp.m. ETFirst Published: Jan. 21, 2026 at 8:05\u202fa.m. ET Morgan Housel is…\n","protected":false},"author":2,"featured_media":245159,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[127471,127466,442,33187,50084,11357,138,16103,128161,58600,156,246,19202,3717,143416,15472,329,47879,1426,5933,263,4188,101226,300,111,139,69,2114,244,245,18154,47881,2290,50844,915,29039,8262,28742,19201,3912],"class_list":["post-245158","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-analyst-comment","tag-analyst-comment-recommendation","tag-arts","tag-arts-entertainment","tag-behavior","tag-budget","tag-business","tag-commentary","tag-commentary-opinion","tag-decisionmaking","tag-entertainment","tag-finance","tag-gcapi","tag-general-news","tag-housel","tag-invest","tag-investing","tag-investing-securities","tag-investment","tag-investor","tag-lifestyle","tag-living","tag-living-lifestyle","tag-money","tag-new-zealand","tag-newzealand","tag-nz","tag-opinion","tag-personal-finance","tag-personalfinance","tag-political","tag-political-general-news","tag-psychology","tag-recommendation","tag-saving","tag-securities","tag-spending","tag-strategies","tag-synd","tag-wealth"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/245158","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=245158"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/245158\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/245159"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=245158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=245158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=245158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}