The Science of Money hacks: Boost Your Happiness & Financial Wellbeing

• Live questions & polls on everyday money behavior
• Group reflections on emotional spending moments and how mood influences financial decisions
• Mini-exercise: Build your own Three-Jar System (Needs, Wants, Future)
• Scenario walkthroughs: How your finances behave when you’re tired, stressed, sad, bored, hungry, or distracted. Identify when your habits break down.
• Q&A with practical behavioral insights tailored to participants’ real-life challenges

• Automatic behavior beats willpower: Learn why willpower often fails and how habits and system design reliably outperform “better intentions.” 
• The most effective interventions for lasting behavior change: Discover what science shows actually works: friction, habits, default settings, and redesigned environments — not more knowledge or discipline.
• How emotions drive spending: Explore relatable examples like “shopping because you feel sad, bored, or lonely” and understand what your brain is trying to do — and what healthier alternatives look like.
• Designing money systems for your worst moments: Learn how to structure your finances so that even when you’re tired, stressed, hungry, overwhelmed, in love, or upset, you don’t make decisions you’ll regret later.
• The Three-Jar Method to automate your money: A simple automatic system (Needs, Wants, Future) that helps you spend money on fun stuff while preserving a healthy financial future.
• The link between mental & financial wellbeing: Understand how mental and financial wellbeing influence each other and how you can strengthen financial wellbeing by investing in your health.

Most financial decisions don’t happen in moments of calm and clarity — they happen when we’re tired, stressed, overwhelmed, bored, sad, hungry, or emotionally charged. In this session, behavioral psychologist Dr. Florien Cramwinckel explains how to build money systems that protect you precisely during those moments. Instead of relying on fragile willpower or a deep understanding of finances, you’ll learn how to redesign habits and environments so that your automatic behavior becomes the desired behavior.

Drawing on behavioral science and her contributions to SNS’s national Future Money Talks program, Florien shows why people often go on a shopping spree when they feel sad, why late-night spending feels irresistible, and why “just spend less” rarely works in real life. You’ll discover what your brain is doing in these emotional moments and how you can protect you from yourself.

Participants explore the Three-Jar Method, understand the difference between intention and behavior, and learn how friction, cues, and automation can make desired financial choices effortless. You’ll walk away with practical, science-based moneyhacks that ensure your systems continue to work even when you don’t — reducing stress, building confidence, and supporting both your financial and mental wellbeing.

Inclusive Thinking

Chances are you're straight and you've never wondered if you were born in the right body. Yet diversity and inclusion of LGBTQ+ people is a social issue. In this session, Florien tells you about the origin of prejudice, its different forms and why this affects everyone. Florien not only shows you how diverse the subject is but by means of an interesting analogy also makes you feel what it’s really like to be different from the norm. Because what if you ended up on another planet, where all norms and values ​​are completely different from yours?This interactive session not only provides knowledge and reflection but also time to discuss the subject and thus to think positively, diversely and inclusively.