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We are taught to measure software by its final form. But the prototype that reaches a decision-maker at the right moment consistently outperforms the polished product that arrives after the window has closed. Here is the evidence, and what to do about it.

Most personal finance books tell you what to do with money. The Psychology of Money asks a harder question: why do smart people consistently make poor financial decisions? Morgan Housel's answer, backed by behavioral research, has nothing to do with math.