
In this special edition of Money Lessons, Andy takes on a question that sits underneath most of personal finance: why change is so hard. A complaint about his band's setlist leads to the research on why musical taste is set around age fourteen — and to the study showing that appetite for financial risk locks in the same way, set by whatever the markets were doing when a person first had money in play. Neither one was a decision. Both feel like one. AndrewTemte.com
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