Do you spend more than you should? Or maybe the opposite and you’ve a tendency to be frugal? ? In this episode, our host Iona Bain is joined by financial psychotherapist Vicky Reynal to explore the emotional undercurrents behind our money habits.

From childhood experiences and family dynamics to social media and FOMO, Vicky unpacks the complex psychology that shapes how we think, feel, and behave with money. You’ll hear about the subtle difference between overspending and self-sabotage, how scarcity mindsets can quietly drive our decisions, and why our financial habits are often less about numbers—and more about feelings. 

Whether you're a frugal saver or a spontaneous spender, there’s lots of practical insights and empowering advice to help you better understand your relationship with money and how to start building healthier habits today.

Follow Vicky on Instagram @vickyreynalpsychotherapy

You can watch episodes on our YouTube channel

And see behind the scenes content on our  TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give information for a UK audience that’s relevant at the time of recording.

Do you spend more than you should? Or maybe the opposite and you&rsquo;ve a tendency to be frugal? ? In this episode, our host Iona Bain is joined by financial psychotherapist Vicky Reynal to explore the emotional undercurrents behind our money habits.
From childhood experiences and family dynamics to social media and FOMO, Vicky unpacks the complex psychology that shapes how we think, feel, and behave with money. You&rsquo;ll hear about the subtle difference between overspending and self-sabotage, how scarcity mindsets can quietly drive our decisions, and why our financial habits are often less about numbers&mdash;and more about feelings.&nbsp;
Whether you're a frugal saver or a spontaneous spender, there&rsquo;s lots of practical insights and empowering advice to help you better understand your relationship with money and how to start building healthier habits today.
Follow Vicky on Instagram <a href="https://www.instagram.com/vickyreynalpsychotherapy/">@vickyreynalpsychotherapy</a>
You can watch episodes on our&nbsp;<a href="https://urldefense.com/v3/__https:/www.youtube.com/legalandgeneral__;!!GN8lIS4!ZC8D5GJ__OEO7G9udehqq48SwQKnJIgGMGqE8TXNTTCTRKPBr0jP_OWfSQDlwpuSBc0QQEAnnSTBLu_5D01nU2GZKqY$">YouTube channel</a>
And see behind the scenes content on our&nbsp;<a href="https://urldefense.com/v3/__https:/www.tiktok.com/@legalandgeneral__;!!GN8lIS4!ZC8D5GJ__OEO7G9udehqq48SwQKnJIgGMGqE8TXNTTCTRKPBr0jP_OWfSQDlwpuSBc0QQEAnnSTBLu_5D01n-BNkPY4$">&nbsp;TikTok</a>&nbsp;and&nbsp;<a href="https://urldefense.com/v3/__https:/www.instagram.com/legalandgeneral/?hl=en__;!!GN8lIS4!ZC8D5GJ__OEO7G9udehqq48SwQKnJIgGMGqE8TXNTTCTRKPBr0jP_OWfSQDlwpuSBc0QQEAnnSTBLu_5D01nGegfSXs$">Instagram</a>
You can play the podcast and find other useful content on L&amp;G&rsquo;s website:
<a href="https://www.legalandgeneral.com/podcasts/a-little-bit-richer">https://www.legalandgeneral.com/podcasts/a-little-bit-richer</a>
Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&amp;G&rsquo;s take on things. They give information for a UK audience that&rsquo;s relevant at the time of recording.

'A Little Bit Richer' is the podcast that aims to help us all get a grip on our financial futures, brought to you by financial broadcaster and author Iona Bain and Legal & General.

Maybe you’ve bought a home or started a family or would like to one day. You’re starting to think ahead a little. Have you thought about how you could be a little bit richer in the future?

We can all do with some insight and advice on how best to plan and manage the financial side of life. So that’s what ‘A Little Bit Richer’ from Legal & General explores.

We talk to leading experts and dive into topics like - How much money do you need to stop working? What’s the stronger investment - your property, or your pension? How can you help your children to be more financially savvy?

Together, we’ll build a better and brighter financial future for us all.

‘A Little Bit Richer’ from Legal & General is out every fortnight. Follow us now on your favourite podcast app.

The views and thoughts expressed on this podcast are those of the individuals and don’t necessarily represent those of Legal & General. This podcast does not constitute or replace financial advice. Content was relevant at the time of recording and is intended for a UK audience.

'A Little Bit Richer' is the podcast that aims to help us all get a grip on our financial futures, brought to you by financial broadcaster and author Iona Bain and Legal &amp; General.
Maybe you&rsquo;ve bought a home or started a family or would like to one day. You&rsquo;re starting to think ahead a little. Have you thought about how you could be a little bit richer in the future?
We can all do with some insight and advice on how best to plan and manage the financial side of life. So that&rsquo;s what &lsquo;A Little Bit Richer&rsquo; from Legal &amp; General explores.
We talk to leading experts and dive into topics like - How much money do you need to stop working? What&rsquo;s the stronger investment - your property, or your pension? How can you help your children to be more financially savvy?
Together, we&rsquo;ll build a better and brighter financial future for us all.
&lsquo;A Little Bit Richer&rsquo; from Legal &amp; General is out every fortnight. Follow us now on your favourite podcast app.
The views and thoughts expressed on this podcast are those of the individuals and don&rsquo;t necessarily represent those of Legal &amp; General. This podcast does not constitute or replace financial advice. Content was relevant at the time of recording and is intended for a UK audience.

A Little Bit Richer

The Psychology Behind Your Spending

https://api.omny.fm/orgs/2e9a850c-e6b9-48c2-afec-a8f8010f70f4/clips/d698dc0f-5e1c-485c-b046-b2c000fb108c/transcript

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