How does the stock market work? When’s the best time to buy or dump assets? And how much do you need to save every year to retire by a certain age? 

These are the kinds of questions that dominate discussions of personal finance. There’s often something important left out of the equation, however. This is the human factor – in other words, the relationship between real people and their money. 

Morgan Housel argues that this factor is key to understanding financial decision-making. If you want to know why people bury themselves in debt or squander fortunes, you don’t need to study interest rates – you need to delve into the all-too-human history of envy, greed, and optimism. And that’s precisely what we’ll be doing in the audiobook summary.

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