Cultivating a better money mindset, so that we make better money decisions, and generally feel as though the whole thing is less scary and complicated, isn’t easy. Luckily, there’s a financial-advice industry set up to help us. Unluckily, it’s spectacularly bad at helping anything but itself. It’s not incapable of helping. But it’s staffed by humans, who have the same faulty wiring as everyone else, and its problems are pumped up by an egregiously misaligned corporate incentive scheme. If someone’s hired you because they think finance is scary and complicated, do you teach them it’s not really, or do you assure them that it’s more scary and complicated than they could possibly imagine?