Skip to main content

How To Build Better Financial Habits

Anastasia Buyalskaya explains how behavioral science can help us replace costly financial routines with habits that support smarter long-term financial decisions.

In this RESKILL Masterclass, Anastasia Buyalskaya, Assistant Professor of Marketing at HEC Paris and behavioral scientist, explores why managing money is often less about knowledge than about habit. 

Drawing on her research published in leading journals including PNAS and Management Science, as well as her HEC Executive MSc in Finance (EMiF) course on cognitive biases in investment decision-making, she explains how automatic behaviors shape everyday financial decisions, from checking investment apps to impulse spending, and shares practical strategies to replace them with habits that support long-term financial health. Whether you're looking to save more consistently, invest with greater discipline or avoid costly financial mistakes, this masterclass provides actionable tools that can be applied immediately in both your personal and professional life.

Key findings
  • Good intentions don't automatically become good habits. 
  • Habits follow a cue–behavior–reward loop. 
  • Automate saving and investing whenever possible. 
  • Make financial goals visible and concrete. 
  • Add friction to overspending and impulsive investing. 
  • Financial literacy strengthens long-term decision-making. 

Newsletter

Big Issues, Bold Thinking. In your inbox, once a month.