Dr. Bryan Foltice Behavioral Finance Podcast
Welcome to the Bryan Foltice Behavioral Finance Podcast, where we dive deep into the fascinating intersection of financial decision-making and human behavior. Your host, Dr. Bryan Foltice, aims to embark on this journey with you to explore the quirks, biases, and psychological factors that shape our financial choices. From understanding why we buy high and sell low, to uncovering the emotional drivers behind our investment strategies, each episode will uncover valuable insights to help you navigate the complex world of finance with clarity and confidence. So, please join us as we unravel the mysteries of personal and behavioral finance and unlock the secrets to making smarter, more informed decisions with your money.
Episodes
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Present Beats Future: Understanding Present Bias, Hyperbolic Discounting, and the Knowing-Doing Gap
In this episode, Dr. Bryan Foltice reflects on turning 46 and uses that perspective to explore present bias (“present beats future”) as a key driver of the knowing-doing gap in personal finance and daily habits.
He explains evolutionary roots that favored immediate consumption, then ill...
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Why do we put off saving, follow investment hype, or spend money we planned to keep—even when we know better? Understanding what to do with your money and actually doing it are two different things.
In this episode, Dr. Bryan Foltice explores the knowing–doing gap through five forces that shape our financial decisions: Present Beats Future, Emotion Beats Logic, Perception Beats Reality, So...
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The $100 Shirt That Cost Me $10,000 | Reciprocity, Reference Points & Procrastination
How does a free personal styling session at Nordstrom turn into a $10,000 mistake?
In this episode of the Dr. Bryan Foltice Behavioral Finance Podcast, Bryan shares how a complimentary wardrobe consultation led him to purchase a $100 shirt he didn't really want, establish an expensive new household spending preced...
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Retirement Withdrawal Rates in Real Life: Bryan Foltice’s Two-Bucket Approach Beyond the 4% Rule
In this episode of the Bryan Foltice Behavioral Finance Podcast, we discuss how common retirement withdrawal rules hold up in real life and why anything above 4% can be dangerous due to sequence-of-returns risk and compounding inflation.
We explore the “decumulation paradox,”...
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Retirement Withdrawals Beyond the 4% Rule: Bryan Foltice on Flexible, Inflation-Adjusted Strategies
In this episode of the Bryan Foltice Behavioral Finance Podcast, we continue to explore why fixed withdrawal rate strategies like the 4% rule can fail over longer 40–50 year retirements, creating a “decumulation paradox” where retirees either run out of money or leave far too m...
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Does the 4% Rule Still Work? Inflation, 50-Year Retirements, and What the Data Really Says
In this episode, we dive into the fixed retirement withdrawal rate debate and why the popular 4% rule deserves a closer look. We discuss how the rule originated from Bill Bengen’s 1994 research, then walk through Bryan and Steve Dolvin’s analysis using U.S. data from 1928–2024 across st...
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In this Q&A episode, we explore four listener questions with Bryan Foltice, starting with whether he teaches the “latte effect,” where he explains he focuses more on big financial decisions like housing and car ownership while still discussing how people often underestimate spending on eating out and DoorDash and how emotional spending can add up.
We then discuss the realities of...
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Behavioral-Based Financial Education: Bryan Foltice’s 6-Week One-Credit Class That Changes Money Habits
In this episode of the Bryan Foltice Behavioral Finance Podcast, we explore the practical, behavioral-based interventions behind the encouraging results from Bryan’s one-credit and three-credit personal finance classes. We discuss how the one-credit course is structured into six ...
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1-Credit vs 3-Credit Personal Finance: What Actually Changes Student Behavior? | Bryan Foltice
In this episode of the Bryan Foltice Behavioral Finance Podcast, we explore post-class survey results comparing a one-credit Financial Well-Being course with a three-credit Personal Finance course at Butler, using 102 student responses across business/non-business majors and online vs face-to-face fo...
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Using AI Effectively: Pairing the Machine With Your Own Brainpower
In this episode, Bryan Foltice explores how AI can be used really effectively only when it’s coupled with our own brain power. We discuss how conversations about AI often lead back to this core idea, and why it helps to name and formalize a continuum for where we and others fall in our attitudes toward AI. We explore the ...
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Automation Bias in Investing: When to Trust (and Challenge) AI | Bryan Foltice Behavioral Finance Podcast
In this episode of the Bryan Foltice Behavioral Finance Podcast, we explore automation bias—the tendency to use technology as a mental shortcut in place of vigilant information seeking and processing—using examples like GPS routes and copying ChatGPT answers without thinking. W...
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In this episode, we continue the discussion on the diversification heuristic, noting people are naturally good at diversifying but can mistakenly believe they’re diversified when holdings overlap.
We explores when it might make sense not to diversify, inspired by millionaire profiles that often focus heavily on one area such as real estate, which can be risky when leverage is involved.&nbs...
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In this episode, Dr. Bryan Foltice explains the diversification heuristic as a mental shortcut that often leads to smarter choices but can backfire in the wrong context.
Using a buffet example and evolutionary reasoning, he shows how people naturally try a little of everything to avoid regret.
He reviews research on sequential versus simultaneous choice: Simonson (1990) found far more varie...
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In this episode, Dr. Bryan Foltice introduces behavioral finance using a trading-card example where three people buy the same $500 Patrick Mahomes card but act differently:
One sells it back to buy unopened boxes (the gambler), One files it into a personal collection (the collector), and one lists it for profit (the investor/flipper).
He traces how trading cards evolved from childhood colle...
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We're back BABY!!! Dr. Bryan Foltice returns to relaunch The Bryan Foltice Behavioral Finance Podcast and refocus it on true behavioral finance rather than generic personal finance content.
He explains how his work at Butler University, building Money Strong programming, and serving as department chair pulled him away, but with that role now over he’s energized to ramp the show back up and...
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Welcome to the Money Strong Monday morning broadcast with Dr. Bryan Foltice!
In this episode, we break format to discuss the latest economic updates, including the state of the S&P 500, inflation rates, and interest rates, and their impacts. Dr. Foltice then dives deep into this episode's primary topic—NIL (Name, Image, and Likeness) money and its significant effect on student-athletes...
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How I Overspent $3300 in June & What I Learned From It | Money Strong Podcast
In this episode of the Money Strong Podcast, Dr. Bryan Foltice shares his real-life experience of going over his monthly budget by $3300 in June. He provides insights into how unexpected expenses and impulsive spending can derail financial plans. Learn about his approach to dealing with the aftermath and how he a...
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Tackling Financial Anxiety and Shame: Steps to Overcome
Welcome back! In this episode, we delve into the often overlooked aspects of financial well-being—financial anxiety and shame. Dr. Bryan Foltice explains how money is more than just numbers; it's tied to our emotions and past experiences. Using references from the show 'Big Mouth,' he illustrates how anxiety and shame manifest, espe...
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Unpacking Money Beliefs: Key to Financial Wellbeing
Welcome to the Money Strong Podcast hosted by Dr. Bryan Foltice, where we dive deep into the psychology behind our financial decision-making. In this episode, we explore the hidden beliefs about money that stem from our upbringing, culture, media, and personal experiences.
Dr. Foltice discusses common money beliefs such as money avoidanc...
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Understanding and Changing Your Financial Behavior | Money Strong Podcast
Join Dr. Bryan Foltice on the Money Strong Podcast as he dives into the psychology behind financial decision-making. Discover why knowing the right financial behaviors isn't enough and learn how to change your habits for the better. In this episode,
Dr. Foltice discusses the influence of habits, emotions, and enviro...
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