"In this lucidly-written and very timely book, Vyse has brought recent empirical research by psychologists and economists to bear on the question of why so many people are currently getting themselves into unmanageable debt. Vyse makes astute suggestions as to what we can do individually and collectively to reverse this frightening situation. I highly recommend the book to anyone who is currently in such straits or who is in danger of getting into them -- and, as Vyse makes clear, that could be any of us." -Howard Rachlin, PhD, Psychology Department, SUNY Stony Brook "Stuart Vyse's brilliant blending of cognitive science and practical economics explains how smart, well-intentioned people so often financially self-destruct. With a mix of compelling research and engaging anecdote, he reveals how we think about money, how modern shopping and payment systems influence consumer behavior, how yesterday's wants become today's needs, and how we can use this knowledge to spend less, save more, and live more happily." -David G. Myers, PhD, Hope College, and author of Intuition: Its Powers and Perils "The responsibility for going broke must ultimately lie with the individual, but that does not mean that there are not psychological, social, and economic reasons why so many people cannot save what they earn. With deep compassion and penetrating insight Stuart Vyse turns the lens of science to uncover those reasons, showing how and why bankruptcy could happen to any of us and that the problem is a national one about which we must all be concerned. Vyse's program on how to avoid debt should be printed on the back of every credit card application form." -Michael Shermer, Publisher of Skeptic magazine, monthly columnist for Scientific American, and author of Why People Believe Weird Things and The Mind of the Market
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