In this week's episode of Retire in Texas, Darryl Lyons explores one of the most overlooked drivers of long-term financial success: behavior. Rather than focusing on market performance or investment selection, Darryl breaks down why the way we think, communicate, and make decisions could potentially have a greater impact on outcomes than the strategies we choose.

Darryl begins by reflecting on his own journey into behavioral finance and how studying the intersection of psychology, neuroscience, and traditional finance reshaped his perspective on the role of a financial advisor. That realization sets the foundation for today's discussion: helping individuals and families make rational decisions amid uncertainty, stress, and emotional noise.

He breaks the episode into several key themes:

• Why behavioral finance matters, and how emotional decision-making can potentially outweigh stock selection or asset allocation over time.

• The role of a financial advisor as a "thinking partner," especially during periods of volatility or life transitions.

• A real-world example of a couple who had strong financial habits but struggled to move forward because they approached money from different emotional and personality frameworks.

• How personality differences can create conflict around money, and why spreadsheets alone often fail to resolve those challenges.

• An introduction to the Enneagram as a practical personality tool that can help couples, families, and teams develop a shared language around money.

• A walkthrough of the nine Enneagram types, including common financial tendencies, strengths, and blind spots associated with each.

Darryl connects self-awareness, communication, and behavioral insight to show how understanding personality may reduce conflict, improve clarity, and support more intentional long-term planning - both financially and relationally.

If you benefited from today's episode, share it with a friend or family member!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

Resource:

https://www.truity.com/test/enneagram-personality-test