“Ugh, why don’t fat people just eat less?”

If you’ve heard an ignorant comment like that, you’ve probably been to any of a thousand online forums. Nothing drives me crazier than people who ignore decades of research to judge others for their supposed lack of willpower. Today, a rant on people who judge others’ behavior when it comes to spending and eating.

Why do delusional people think their spending will be different than other people’s?

See why delusional people refuse to believe they’ll have the same spending patterns as everyone else. By planning to live an ordinary life, you give yourself the means to be extraordinary.

Is frugality about saving money or making you feel less guilty?

Is frugality about saving money, or making you feel less guilty?

Mental Accounting: Why Smart People Make Big Money Mistakes

If you think you save, but you still have trouble saving, mental accounting may be one of the reasons. Using behavioral economics, read this in-depth review of “Why Smart People Make Big Money Mistakes.”

5 things to ask your friends who think “this time is different”

Carl Richards: “Given the decade we just finished, the question about what to do now is becoming part of our national conversation. With the insane amount of noise in the press, here are a few things to think about.

Personal finance is not about more willpower

If you think personal finance is about trying harder, ask yourself: How has that worked for you in the last month? The last year? Have you really saved more? Invested more? New strategy: Automate. I’ll show you how how with tactical steps.

(Plus a chance to meet Tim Ferriss and me for dinner in San Francisco.)