This audiobook is narrated by a digital voice.

The psychology of saving and banking habits is deeply influenced by individual behavior, emotions, and societal factors. People's approach to money often stems from their attitudes towards risk, their upbringing, and their financial goals. For some, saving comes naturally, driven by a desire for security or long-term wealth. For others, spending may feel more rewarding, and saving can seem like a difficult or distant goal. Behavioral economics explains that emotions such as fear, optimism, and even instant gratification can heavily influence financial decisions, often leading people to underestimate future needs or overestimate their ability to manage debt.