How to avoid confirmation bias

Why you can’t argue with a Vegan

This post focuses on confirmation bias fallacy and cognitive dissonance theory. It includes tips on how to avoid confirmation bias.
Overconfidence bias in decision making

Mirror, mirror, on the wall, stop telling me I’m wonderful!

This post focuses on the impact of overconfidence bias in decision making. Specifically, we discuss the self-serving bias and the better than average affect to better understand our heuristics and biases.
Heuristics and biases in decision making

Heuristics and biases in decision making

We need to understand how heuristics and biases in decision making affect our relationship with money. Using System 1 and System 2 thinking examples, this post is the first instalment in a series on behavioural finance.
Financial trouble

Financial Trouble | Can’t Catch a Break

We feel like we can’t catch a break because our human nature works against us when we try to stay out of financial trouble. This article discusses 8 financial and behavioural pitfalls for us to be aware of.
Happy staff

Happy Staff | Financial Wellness in the Workplace

This article highlights the reasons why financial wellness in the workplace is important. Employers benefit from happy staff. And happy staff are those with better mental health and increased productivity, both facilitated by being in control of their financial situation.
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Which retirement annuity should I take
With a living annuity you have less certainty but more flexibility. With a guaranteed annuity you have more certainty, but with some limits.
Types of lifetime income
Different types of guaranteed annuities give you different increases each year. Compare that to your starting income.
Fixed annuity
Guaranteed annuities are essentially an insurance product. They guarantee you an income for the rest of your life!
Living annuity in retirement
With living annuities - the most important thing is that you understand the implications of how much you're withdrawing each year.
Retirement decisions
The first question you'll ask at retirement is "how much cash do I take"? Let's help you answer that with this 4 minute video.
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About the Author

I am passionate about helping people understand their behaviour with money and gently nudging them to spend less and save more. I have several academic journal publications on investor behaviour, financial literacy and personal finance, and perfectly understand the biases that influence how we manage our money. This blog is where I break down those ideas and share my thinking. I’ll try to cover relevant topics that my readers bring to my attention. Please read, share, and comment. That’s how we spread knowledge and help both ourselves and others to become in control of our financial situations.

Dr Gizelle Willows

Dr Gizelle Willows


PhD and NRF-rating in Behavioural Finance