Julian Novak

Julian is a behavioral finance researcher and university lecturer with a PhD in economics. His work focuses on the psychology behind spending, saving, and risk-taking. Julian writes about money habits, financial decision-making, and cognitive biases that influence our wallets. He blends academic insights with real-world examples to help readers develop smarter, more mindful relationships with money. Julian’s mission is to show that money isn't just math—it's emotion, identity, and behavior. His writing challenges conventional financial advice with science-backed perspectives.