60. How Our Financial Beliefs Evolved and What They Mean for You with Dr. Joseph S. Moore Artwork

Planning & Beyond® - Where financial planning meets human understanding

Planning & Beyond® is for financial advisors who want to go beyond the numbers and build deeper, more trusted client relationships.

Hosted by Ashley Quamme, a licensed therapist and financial behavior specialist, this podcast helps advisors better understand the psychology, emotions, and behaviors that shape client conversations.

Each episode offers practical strategies you can apply in discovery meetings, prospect conversations, difficult money discussions, and major life transition planning. Through conversations with experts in behavioral finance, financial psychology, and financial therapy, Ashley explores how advisors can strengthen communication, navigate emotional moments, build trust, and support clients with more confidence.

If you want to improve the way you connect with clients, ask better questions, and bring more empathy and clarity into your planning process, Planning & Beyond® will help you sharpen the human side of your advisory work.

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Navigating difficult money conversations
Understanding client psychology
Building trust and deepening client relationships
Managing emotional client situations
Improving advisor-client communication
Applying behavioral finance strategies
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Planning & Beyond® - Where financial planning meets human understanding

60. How Our Financial Beliefs Evolved and What They Mean for You with Dr. Joseph S. Moore

August 20, 2026 • Ashley Quamme

0:00 | 41:17

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In this episode of Planning & Beyond®, Ashley talks with Dr. Joseph S. Moore, historian and author of How to Get Rich in American History, about how American financial advice has changed over the last 300 years and what those changes can teach us today.

Joseph shares how his own money wake-up call came during the 2008 financial crisis, when he realized he had followed common advice without fully understanding the risk behind it. That experience led him to study what Americans have been told to do with money over time, what actually worked, what did not, and why financial advice keeps changing as the economy changes.

They also discuss why marriage has historically been one of the most important financial decisions a person can make, how joint accounts can create more transparency and trust, and why simple money systems often work better than complicated budgets.

Ashley and Joseph also discuss:

How American financial advice has changed over the last 300 years
Why familiar advice like “renting is throwing money away” can be incomplete
What the “latte factor” gets right and where it falls short
Why building wealth is not only about cutting small expenses
How marriage shapes financial outcomes
Why joint accounts can support trust and transparency in relationships
A simpler way to think about budgeting and money management

RESOURCES AND GUEST INFORMATION

Dr. Joseph S. Moore is a historian and author of the national bestselling book, How to Get Rich in American History: 300 Years of Financial Advice that Worked (& Didn't), where he chronicles all the wise (and weird) things Americans tried to do to get ahead for three centuries. He is also an investor, who went from a modest professor's salary to funding a tech startup, buying land on the moon, founding a cryptocurrency, and owning dozens of investment properties. He achieved financial independence in his mid-40s, and lives outside of Atlanta, Georgia. His other writings have appeared in The New York Times, MarketWatch, Fast Company, and Oxford University Press.

Connect with Dr. Joseph S. Moore: