Do you keep telling yourself you’re going to start investing… and then you get to the moment where you have to choose—and your brain locks up?

This episode is for you if:

• you can learn and research all day, but you freeze when it's time to buy
• one new opinion (“don’t do that, do this”) resets you back to zero
• “starting small” still feels high-stakes because you’re terrified of choosing wrong
• you’re not scared of investing—you’re scared of the meaning you think a wrong choice would have

In this episode, we decode what’s actually driving the pattern: how “choosing” turns into a threat, what your system is protecting you from, and why investing is a uniquely triggering arena for people who associate wrong choices with regret + self-blame.

You’ll learn:

• what this pattern is protecting (and why it makes sense, even if it’s frustrating)
• what it might be indicating about fit: whether your current investing model/approach is mismatched, whether you’re missing a foundational layer of clarity (not “which stock”), or whether a different container would make investing feel doable
• how to recognize you’re in the loop early (before you end up in 47 tabs and close the app again)
• specific things to try to break the loop in real time, without forcing confidence you don’t have yet
• if you genuinely want to invest: how to build self-trust through small “proof reps” that make choosing feel safer over time

This isn’t an episode about picking the perfect investment. It’s about getting you out of the “hover and close the app” cycle—so you can make decisions without turning them into verdicts about who you are.

Resources/Mentions for Episode:

• book Mindset by Carol Dweck - learning vs fixed mindset, helps reprogram the meaning of wrong and failure
• WorthyBonds - 6.5% yield, pays daily, no principle depreciation, no fees or withdrawal penalty, excellent "safe" investment option that we've been in for years --> learn more here
• Bogle Investing Method - very limited options for investing, automation friendly investing strategy
  • book The Bogleheads' Guide to Investing
  • Bogleheads Wiki

*Affiliate links included. If you chose to buy, consider using our links to help support us at no cost to you.

Why another money podcast? Because “knowing what to do” isn’t the same as being able to do it. After 2.5 years of running an investing show, we kept seeing the same thing: people understood the mechanics but still froze, spiraled, overcontrolled, avoided, or couldn’t hold margin long enough to move.

So this show is about the human spectrum of money—using your signals as data. As your hosts, we decode what money patterns are protecting, what they’re responding to, and what experiments can shift the outcome—without shame, and without a one-size-fits-all plan.