It’s a common dilemma that we all face when it comes to personal finance…We know exactly what we need do to, but we don’t know why we can’t seem to get it done. There are some really interesting reasons for this, ones that actually don’t involve implicating ourselves as ‘lazy procrastinators’. Behavioural economists have been tracking the decision-making habits of people for the past 50 years, and they’ve found that more often than not, our brain is the culprit for why we don’t always do what we need to do.