John Dinsmore

speaker

186 appearances 1 recordings 1 series first heard Aug 2026 last heard 3 Aug

John Dinsmore’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.

Appearances

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Hidden Brain · Making the Most of Your Mistakes · 3 Aug 2026 podcast

I see the wisdom in it, but most people can't.

And there's a lot of things like education, housing, and transportation that you're probably going to need to take on some debt.

Just don't take on more of it than you have to or a more expensive version of it

So context matters quite a bit, whether it's culture or your community and where you're surrounded, right?

So people typically have very limited financial means.

Typically, there are fewer resources for financial education.

There's typically...

fewer people in a household who are savvy about handling debt and understanding things like compound interest versus other communities or cultures that are maybe more affluent where there are people who have greater experience

in handling this.

And because studies show that financial education is not a one and done type of thing, the effects of financial education fade over time.

Being in these communities or cultures where there's more familiarity and experience in dealing with it, they tend to do better over the long term in managing debt appropriately.

I would imagine so.

I think what you see across cultures is that people have had bad experiences with finances or with other things like war.

They typically carry these experiences with them and it changes their behavior over the long term.

So a prior listener was talking about a grandfather who made it through the Great Depression.

That entire generation was never the same with money after dealing with financial trauma like that.

So it does change cultures over time, having gone through periods of extreme scarcity.

I mean, there are some things, policies I think that could be invoked to make debt more kind of user friendly and better understood.

And that I think would be a good thing for consumers as a whole.

Now, in terms of.

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