Times are changing in our technologically advancing world. More and more, we conduct business transactions on the internet instead of in person. You can now balance your checkbook, grocery shop, and track your spending online with money management apps and bank websites. 

We’ve all done it: make a bad spending or investment decision that we regretted later. But some of us make more than just one or two poor choices with our money now and then. Instead, we make bad decisions a habit when it comes to finances. Is there a reason for this pattern of poor spending? And more important, is there a way to stop it?

It’s shrouded in mystery and technical jargon, but it’s everywhere: in the news, on the radio, across the web. Terms like “cryptocurrency” and “blockchain mining” aren’t making Bitcoins any easier for the rest of us to understand, let alone figure out how to use. But if the headlines are any indication, we all might want to get with the program before it’s too late.