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Carrie Rattle

Carrie is a Principal at Behavioral Cents with 20+ years executive level in banking, securities, credit cards. She hopes to help women succeed where most of the industry has failed - in changing actual money habits.
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Recent Posts

Final 5 Money Behaviors– Do You Rate This Well With Your Own Cash?

Posted by Carrie Rattle on Feb 21, 2018 8:06:00 PM

As mentioned in my last blog, these behaviors come from Sarah Fallaw of Data Points. She created a Household Cash Job Description, which is a simple, brilliant way of defining specific money behaviors so we can stay focused on what counts.  Financial literacy is part of it, but not all of it, which explains why many people in financial services don’t manage their money particularly well either. Ever heard of the man who makes $2 million a year and wants to retire by 35? He has one small challenge – he spends $3 million a year. Yep. Believe it. We all know one.

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Topics: Money Behaviors

5 Good Cash Behaviors - How do You Rate?

Posted by Carrie Rattle on Jan 30, 2018 8:19:00 AM

Sarah Fallaw is CEO of Data Points, and also the daughter of Thomas J. Stanley, author of The Millionaire Next Door. I’m a fan of hers, and I have lived my life by that book. For anyone who has worked in a company where you have a job description, Sarah has come up with a brilliant, simple job description for managing our every day cash. 

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Topics: Money Behaviors

Sexy Shoes. Sexy Bank Account?

Posted by Carrie Rattle on Jan 16, 2018 8:15:00 AM

It’s fair to say I would never be mistaken for a fashionista. Most of my wardrobe reflects my career in financial services, except when I break out and rebel. This year I bought a fun pair of flowery shoes for spring and summer. While running around New York City one day, 3 different men came up to me and said “I really like your shoes”. No joke.  Then 2 more men came up to me another day. This never happens to me. (BTW my shoes were only $70).

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Topics: Retailer Psychology, Money Habits, Money Behaviors

1 Small Mindset Shift to Change Your Life

Posted by Carrie Rattle on Jan 1, 2018 11:02:00 AM

Are you interested in one small mindset change that reduces Anxiety, increases Control and Saves Money? What if I said this one thing wouldn’t take much time? Would you be interested? I think so! Here it is: Define Your Opportunity Cost. 

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Topics: Money Behaviors

Your Money Neuro Track

Posted by Carrie Rattle on Oct 3, 2017 7:26:00 AM

I’ve been a fan of Neuroscience for a few years now. It not only appeals to my inner geek, but it assists me in being the best coach possible for my clients. Did you know that our Amygdala, that has served us well since the dawn of time when it helped us decide on fight or flight, now doesn’t serve us quite so well?  Very simplistically, if we are bitten by a dog while talking about money, our Amygdala may decide that money is pretty scary.  When we hear the word, it will tell us to RUN.

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Topics: Money Attitudes, Neuroscience, NeuroTrack, rewire

Is Your Money Mindset No Longer Serving You?

Posted by Carrie Rattle on Sep 28, 2017 7:51:00 AM

The word Mantra comes from the Hindu and Buddhist religions, representing a repetitive chant of word or phrase. For those of us in the North American culture, the use of mantra loosely refers to a set of beliefs or phrase tied to motivation. It's our mindset.

I interviewed a client a number of months ago, and it became clear she was strongly driven by “productivity”.  Productivity is a very North American word – something that our culture values. “Time is Money” comes to mind immediately.  However, sometimes a productivity mantra is too narrow. Here is an example of how my client’s money mindset sabotaged her money behaviors.
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Topics: Money Behaviors, Money Attitudes

Have You Done the CVS Money Run with Her?

Posted by Carrie Rattle on Jul 13, 2017 7:28:00 AM

Thanks to my colleague Tod for this title and question that prompted my thinking.  Tod has been dating a woman for about a year, and his friends inquired whether Tod had “done the CVS run with her yet?”  Tod sought clarification.  Apparently, it is a wonder that a woman can spend $200 in CVS in just minutes, and fit it all easily into her purse.  As a woman, this does not surprise me at all.  So why does it surprise men?

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Topics: Retailer Psychology

Dishing on Couple's Money with Mrs. & Mr. Tomato

Posted by Carrie Rattle on Jun 28, 2017 7:15:00 AM

Thanks to Cheryl and Stu Benton for willingly ‘baring all’ on their money beliefs, and how they found common ground as a couple. Here is their story.

If you’ve ever talked with Cheryl, her intelligence is evident. She had the guts to build an ad agency which was purchased by a larger company, and then started The Three Tomatoes. Women listened and her newsletter “The Three Tomatoes” continues to grow.

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Topics: Money Behaviors

Cash in the High Stakes Moment

Posted by Carrie Rattle on Jun 13, 2017 7:59:00 AM

My husband commented that I should check my tires since one in particular seemed a little deflated.  I never look at my tires -never thought to – unless of course one goes flat on the way to a really important meeting while I’m in my best suit. Then I’d notice.

The mundane chore was fit into my schedule a week later when I got around to it.  The exercise shocked me. 

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Topics: Money Behaviors

Do You Trade Happiness for Money? Maybe a Little?

Posted by Carrie Rattle on Jun 6, 2017 11:04:00 AM

My colleague, Stacey Francis is CEO & President of Francis Financial.  She is also Founder of Savvy Ladies, a non-profit organization that spreads free financial information to women.  As with many of us who are in the money business, we have stories that drove us here.  These stories are personal and emotional. Here is Stacey's:

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Topics: Money Attitudes

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