Research & Analysis

The Research
Library

Rigorous analysis at the intersection of behavioral science, polyvagal theory, and financial psychology.Each paper synthesizes peer-reviewed sources to illuminate the evidence behind our methodology.

Papers

332+

Sources Cited

2025

Latest

Featured ResearchDecember 2025

Research Analysis: Why Financial Advice Fails Trauma Survivors (And What Actually Works)

A comprehensive research analysis validating the neurobiological foundations of financial trauma and the efficacy of trauma-informed financial interventions. This report confirms that financial decision-making is a physiological process rooted in the autonomic nervous system, and traditional advice models are insufficient for trauma survivors.

MyMoneyCoach Research Team38 citations40 min read

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The Neurobiological and Evolutionary Underpinnings of Holiday Financial Dysregulation: A Comprehensive Analysis

The phenomenon of holiday financial stress—often trivialized as a lack of willpower or poor budgeting—represents a complex convergence of neurobiological dysregulation, evolutionary survival mechanisms, and deep-seated developmental psychology. This report establishes that the 'holiday debt hangover' is not merely an arithmetic error but a physiological event. The holiday season creates a 'perfect storm' of stimuli that hijack the prefrontal cortex while simultaneously hyper-activating the amygdala and mesolimbic dopamine pathways.

MyMoneyCoach Research Team•Dec 2025•52 sources

The Neuro-Psychological Architecture of Persistent Money Struggles: Why Financial Health Requires Nervous System Regulation

Chronic financial struggle must be defined not merely as a consequence of poor choices, but as a state of prolonged biological threat. This investigation synthesizes neurobiology, trauma research, and behavioral finance to establish that internal neurological regulation is the critical prerequisite for sustainable external financial discipline. Traditional financial planning treats wealth management as a purely cognitive problem, but this linear, knowledge-based model consistently fails millions because it fundamentally ignores the deeply ingrained, involuntary emotional and physiological barriers to action.

MyMoneyCoach Research Team•Dec 2025•29 sources

The $47 Billion Support Gap: Why Online Courses Fail (And What Actually Fixes Them)

The global online education market is projected to reach $185 billion by 2029, yet completion rates for self-paced courses remain stagnant at 10-15%. This research investigates the 'Support Gap'—the disconnect between information delivery and implementation support—and quantifies the economic and human cost of an industry optimized for sales rather than transformation. We synthesize findings from behavioral science, polyvagal theory, and educational psychology to propose evidence-based solutions including co-regulation, trauma-informed accountability, and AI companions.

MyMoneyCoach Research Team•Dec 2025•45 sources

The Scarcity Mindset in an Age of Abundance: An Analysis of Financial Anxiety Among the Affluent

In an era of unprecedented wealth creation, a profound paradox has emerged: objective financial capacity has become decoupled from subjective emotional security among the affluent. Research shows 42% of workers earning over $100,000 report financial stress—the same rate as lower earners. This report examines the psychology of 'never enough' through lifestyle inflation, social comparison, and loss aversion. We analyze Sudden Wealth Syndrome, the fusion of net worth with self-worth, and the unique anxieties of affluent youth. Professional perspectives from wealth psychologists reveal that even multimillionaires ask: 'Am I going to be ok in retirement?' True financial well-being requires decoupling security from balance sheets.

MyMoneyCoach Research Team•Dec 2025•32 sources

The Neurobiology of Financial Inheritance: Money Scripts, Transgenerational Patterns, and Somatic Re-patterning

Financial behaviors are rarely the product of conscious, rational deliberation. Instead, they are driven by unconscious, transgenerational belief systems known as 'Money Scripts,' which are biologically encoded during critical developmental windows and reinforced through neural and epigenetic mechanisms. This report synthesizes research on the Klontz Money Script Inventory (KMSI), developmental neuroscience of theta brainwave states and mirror neurons, and the epigenetic transmission of trauma. We present clinical frameworks for identification through genograms and psychometric testing, and therapeutic interventions integrating cognitive restructuring with somatic, body-based regulation strategies including titration, pendulation, and the Body Check-In protocol.

MyMoneyCoach Research Team•Dec 2025•52 sources

The Psychological Architecture of Financial Decision-Making: An Analysis of Money Scripts

Financial planning has evolved beyond quantitative models to address the deep-seated psychological drivers that shape financial outcomes. This analysis examines 'money scripts'—unconscious beliefs about money rooted in childhood experiences that profoundly affect adult financial behaviors. Drawing on the Klontz Money Script Inventory (KMSI-R), we analyze four primary scripts: Money Avoidance, Money Worship, Money Status, and Money Vigilance. Research demonstrates that three scripts (Avoidance, Worship, Status) correlate with disordered money behaviors including compulsive buying, financial dependence, and pathological gambling. We present a four-step professional intervention framework for integrating behavioral psychology into financial coaching.

MyMoneyCoach Research Team•Dec 2025•15 sources

The Neurobiology of Execution: Re-evaluating the Knowing-Doing Gap Through the Lens of Nervous System Regulation

Why do intelligent, motivated individuals fail to act on knowledge they intellectually accept? This investigation reframes the 'Knowing-Doing Gap' through polyvagal theory and nervous system regulation. We distinguish 'Functional Freeze'—a protective physiological state—from character-based explanations (laziness, lack of motivation). Evidence from online education (3-15% MOOC completion rates vs. 85%+ cohort-based), coaching outcomes, and financial behavior research demonstrates that implementation requires co-regulation before information. We propose a 'Regulation-First' pedagogical model centered on trauma-informed accountability, body doubling, and AI-enhanced co-regulation.

MyMoneyCoach Research Team•Dec 2025•60 sources

Expert Validation Report: Reliability Assessment of Key Findings in Behavioral and Health Psychology

This report validates five core claims in behavioral science through rigorous meta-analytic standards and bias correction. Optimism demonstrates a 14-35% mortality risk reduction across large-scale cohorts. Placebo effects in pain management achieve 50%+ of active drug efficacy through expectancy mechanisms. Self-efficacy theory is validated with defined boundary conditions for measurement fidelity. Faculty mindset predicts nearly double the racial achievement gap in STEM education. Each claim is benchmarked against White et al.'s publication bias correction standards, confirming robust, actionable findings for health policy, education reform, and organizational leadership.

MyMoneyCoach Research Team•Dec 2025•9 sources