Description

by Pieter Taute
Hardcopy: R359.00 incl vat • ISBN: 978-1-991272-90-4
E-version: R323.00 incl vat • eISBN: 978-1-991272-91-1
Published: November 2026

You know what you should do with your money. So why is doing it so difficult?

Most people understand the basics of financial wellbeing: save regularly, manage debt, invest wisely and plan for retirement. Yet knowing what to do and actually doing it are two very different things.

In Your Money Has Other Plans, financial adviser and behavioural-science practitioner Pieter Taute explores the hidden psychological forces behind our financial choices. Drawing on more than two decades of professional experience, behavioural economics and relatable South African examples, Taute explains why financial knowledge alone is rarely enough to create lasting change.

Discover how:

  • Emotions and cognitive biases influence financial decisions.
  • Present bias undermines saving and retirement planning.
  • Social pressures and money beliefs affect spending.
  • Financial stress and uncertainty shape everyday choices.
  • Practical changes to your financial environment can support better habits.
  • Behavioural self-awareness can strengthen long-term financial resilience.

Each chapter includes a behavioural audit designed to help readers examine their own financial decisions and identify opportunities for meaningful change. Rather than offering another set of financial rules, this book provides a fresh perspective on why we struggle to follow the rules we already know.

Better financial outcomes begin with understanding your behaviour, not simply increasing your knowledge.