Most money advice assumes you’re well-rested, calm, and thinking long-term.

But most people are tired.

In this episode, I talk about the money costs we rarely name — exhaustion, stress, and survival mode — and how they quietly show up in your bank account.

We cover:

• Why tired people don’t make bad money decisions — just short-term ones
• How decision fatigue leads to convenience spending, late fees, and money leaks
• Why this hits people with less margin harder
• And how to design money systems that work even when you’re exhausted

This isn’t about “trying harder” or being more disciplined. It’s about building financial systems that support real people living real lives.

If money feels hard right now, this episode might explain why — and help you be a little ...