THIS is the Real Technology Gap We’re Fighting

Shubha K. Chakravarthy
7 min readMay 17, 2019
Photo by Ramón Salinero

Flip to any book, blog or show on doing better with your money, and you’ll be swimming in countless strategies, techniques, theories, methods, and can’t-fail approaches. But do these always leave you feeling a little flat, and possibly frustrated, and yet unable to put the finger on what you’re looking for but never find.

I was in exactly the same boat when I realized something that felt pretty basic : the biggest problem with money is not that we don’t know what to do — it’s that we can’t seem to be able to make ourselves do it.

Yet, all the personal finance advice in the world overweights the what and the how, but rarely is any thought or effort given to the real human at the other end who’s supposed to be getting all of this done. But there is even less thought given to the billions of small but very critical differences between individual humans — that will make or break whether they will get anything done at all.

The whole point of any technology is to expand the human’s capacity to do something. It’s only recently that we’ve confounded the term with things that are purely electronic or digital. Frankly, the wheel is great technology. So is the invention of numbers, and double-entry book-keeping.

What does all this have to do with doing better with your money?

--

--

Shubha K. Chakravarthy

Women | Finance | Innovation || HSBC | McKinsey | Chicago Booth || Host of the Invisible Ink podcast |