Author: Dottie Ray

Dottie Ray writes about the psychology of money — why we make the financial decisions we do, and what our spending habits reveal about how we think. She’s not a financial therapist or a certified planner. She’s someone who spent a decade noticing patterns in how people handle money, and now she writes about what she’s seen. Everything here is based on experience and research, not professional advice. If something resonates deeply, consider talking to a qualified professional.