Prior to becoming a financial planner, I had worked as a behavioral counselor in the U.S. Air Force and had eventually been chosen as director for an out patent substance abuse clinic. This strong background in psychology and my previous career as a behavioral counselor paid dividends, as I made some rather remarkable discoveries. . . All mistakes with money fall into only seven subconscious patterns . You can determine your subconscious pattern with a simple Spending Personality Test located at this site. Every expenditure is an attempt to purchase one of only four things.
Many people waste thousands of dollars because they spend in the wrong category.
I've even written a book on these concepts. You can read some sample chapters here . VBPF teaches a decision-making technique that carries over to areas besides finance, like job performance, family, and health. Updates will be posted on the Center's home page under National Pilot Program Status Report . Changing Adult Behavior Because of my prior work as a behavioral counselor, I knew that knowledge alone was not the answer to improving financial literacy.