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Why do some people save every penny while others spend compulsively? Financial psychotherapist Vicky Reynal reveals how early experiences shape our money habits – and how we can rewrite them as adults.

Eating healthily, consuming only a little alcohol, doing a lot of sport, going to bed early – apparently, those who want to live a self-determined life longer need a lot of discipline. But is everything fun really unhealthy? Find out which minor sins you can enjoy without a guilty conscience.

Car sharing instead of owning a car, streaming instead of CD collections: people who talk about property today often think differently than they did 20 years ago. Instead of buying, people use – for a limited time, flexibly and often with fewer costs. Researchers refer to this development as the sharing economy or collaborative consumption.

Paradoxically, more and more young people are worried about their financial future and even fear poverty in old age. Nevertheless, only very few are actually making provisions. Why is that? And what would have to change for worries to become pension provision? Youth researcher Simon Schnetzer provides some answers.

For many years he played ice hockey in Switzerland, North America and Finland – today he advises companies on takeovers and financial audits. Former Swiss ice hockey pro Timo Helbling explains how he built his second career in the world of finance and why young professional athletes should be particularly careful when it comes to money.

If you want to save intelligently and accumulate assets, you need to keep an eye on more than numbers. Behavioural finance studies show: these ten psychological distortions often influence our financial decisions for the worse.