The Same Old Songs: What Musical Taste Reveals About Financial Change

The Same Old Songs: What Musical Taste Reveals About Financial Change

August 24, 2026 · 21 min · Episode 150

About this episode

This episode explores the challenges of financial change through the lens of musical taste and risk appetite.

In this special edition of Money Lessons, Andy takes on a question that sits underneath most of personal finance: why change is so hard. A complaint about his band's setlist leads to the research on why musical taste is set around age fourteen — and to the study showing that appetite for financial risk locks in the same way, set by whatever the markets were doing when a person first had money in play. Neither one was a decision. Both feel like one. AndrewTemte.com

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Host: Andrew Temte

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Books & works: The Same Old Songs

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