# Habits and Money: Why You Can't Remember What You Spend

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Text version: https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211/habits-and-money-why-you-can-t-remember-what-you-spend.md
Podcast: [Money Lessons with Andrew Temte, PhD, CFA](https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211)
Published: 2026-08-22T10:00:00+00:00
Episode link: https://saturdaymorningmuse.podbean.com/e/habits-and-money-why-you-cant-remember-what-you-spend/
Audio file: https://mcdn.podbean.com/mf/web/z57sujigjdqahumc/ML_822267j9sy.mp3
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Duration seconds: 680

## Resource

In this episode of Money Lessons, Andy opens up the machinery that moves money out of a household without ever passing through a decision. He starts with the narrow definition psychologists use for the word "habit" — a behavior repeated in the same surroundings until conscious decision-making drops out — and walks through the 2002 wristwatch studies that measured how often people's minds were somewhere else while they acted. He makes the case that habits are not a character defect but a feature that buys back mental energy, then shows why the same mechanism that makes a habit useful is what makes it nearly impossible to recall. AndrewTemte.com

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## Transcript

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