Don't drive "money" with fear.

Financial influencers like to draw heads to look "scary" or "don't do that if you don't know this" because this kind of framework uses financial psychology and decision-making behavior very well in terms of both attracting attention and encouraging people to "follow instructions."

1. Use "fear" as gravity (Click & Attention)

Humans tend to respond more quickly to fear and risk than positive, so that a topic like "If you don't know this, you will be damaged" causes people to stop scrolling the screen rather than a topic like "good things to do" by the nature of the brain.

This style of sentence frame often uses "Loss aversion" (fear of loss / deformation), such as "If you don't know this, you may lose your chance / lose money / lose your plan."

Which reflects the financial psychology concept of Fear of Loss > Joy of Gain.

2. Use "fear," create the feeling that "expert must be recommended."

A sentence like "Don't do it if you don't know... if you don't understand..." makes the audience feel like

- Myself. "Not ready yet."

- There must be "someone who knows" (that Influencer) pointing the way.

Which is a combination of psychology of authority + scarcity + fear of missing out (FOMO).

3. Financial psychology says that "fear drives decision-making."

Financial psychology research found that

- People often make decisions based on fear of loss rather than profit expectations.

- The framework "If you don't do it, it will hit hard" or "If you don't know, it will lose opportunity" works well for many financial topics because "financial damage" feels very heavy in people's hearts.[1][4]

So is it good?

Doesn't mean wrong

✔ Advantage

* Make people more "vigilant"

* Reduce hasty decisions

* Help warn of some things people overlook.

❗. Caution.

* May make people "too scared" until they don't start

* Some posts focus on the top rather than the essence

* Make finances seem stressful all the time

Focus on the resources we have to see the possibilities in life. Dare to start writing, start doing, expand, increase what we have, do not rush step by step understandably and act along the way.

Black cat insurance 🐾

Sources

[1] 7 Thoughts from The Psychology of Money Book - Bangkok Bank SME https://www.bangkokbanksme.com/sme-knowledge/sme-info/bbl-info-psychology-of-money

[2] 'Separate psychological accounts', keep money with thinking that the brain does not resist. https://www.workpointtoday.com/present-bias-save-money-782210-2

[3] 17 Thoughts from The Psychology of Money Life Changing Book of the Year 2021 /

[4] Investment psychology that investors should know before investing in the field. https://www.tfpa.or.th/9e6417ebffecef071/resources4_3_2_34.html

[5] Investment Psychology: Known to "Prejudice Avoids Loss" - 724 Market https://724.co.th/wealth/detail/%E0%B8%88%E0%B8%B4%E0%B8%95%E0%B8%A7%E0%B8%B4%E0%B8%97%E0%B8%A2%E0%B8%B2%E0%B8%81%E0%B8%B2%E0%B8%A3%E0%B8%A5%E0%B8%87%E0%B8%97%E0%B8%B8%E0%B8%99-%E0%B8%A3%E0%B8%B9%E0%B9%89%E0%B8%88%E0%B8%B1%E0%B8%81%E0%B8%81%E0%B8%B1%E0%B8%9A-ldquo-%E0%B8%AD%E0%B8%84%E0%B8%95%E0%B8%B4%E0%B8%AB%E0%B8%A5%E0%B8%B5%E0%B8%81%E0%B9%80%E0%B8%A5%E0%B8%B5%E0%B9%88%E0%B8%A2%E0%B8%87%E0%B8%81%E0%B8%B2%E0%B8%A3%E0%B8%AA%E0%B8%B9%E0%B8%8D%E0%B9%80%E0%B8%AA%E0%B8%B5%E0%B8%A2-rdquo