<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Claricy OÜ]]></title><description><![CDATA[Helping businesses and individuals grow with expert IT, finance, and digital transformation solutions.]]></description><link>https://www.claricy.ee/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 17 Apr 2026 12:00:19 GMT</lastBuildDate><atom:link href="https://www.claricy.ee/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Financial knowledge does not automatically create positive financial action]]></title><description><![CDATA[One of the easiest mistakes in behavioral design is to assume that more knowledge will naturally lead to better financial decisions. It sounds reasonable: teach people how investing works, explain retirement planning more clearly, improve financial literacy and behavior should improve. In practice, that link is much weaker. A 2026 study by Yi Jiang and Shohei Shimizu confirmed a familiar pattern using data from Japan’s 2022 Financial Literacy Survey. Standard regression analysis showed that...]]></description><link>https://www.claricy.ee/posts/financial-knowledge-does-not-automatically-create-positive-financial-action</link><guid isPermaLink="false">69dde59189d2aba13f26d86f</guid><pubDate>Tue, 14 Apr 2026 07:01:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f5be91_7730be9f3d99401d8328243bd7bd751f~mv2.png/v1/fit/w_1000,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>kristjan53</dc:creator></item><item><title><![CDATA[Financial wellbeing cares more about thoughtful spending and not salary]]></title><description><![CDATA[Three key findings Deliberate spending was the top choice, ahead of salary, when asked about top three things influencing financial well-being. Savings, investing, and budgeting all ranked high. Financial literacy mattered less than everyday money habits. A lot of stress, that is caused by money, starts in ordinary moments. Standing in a supermarket after work. Ordering something online late in the evening. Renewing a subscription because checking it feels annoying. None of these decisions...]]></description><link>https://www.claricy.ee/posts/financial-wellbeing-cares-more-about-thoughtful-spending-and-not-salary</link><guid isPermaLink="false">69ddde86274b4f0764ce559b</guid><pubDate>Tue, 14 Apr 2026 06:31:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0de056_adbf269218ff4a3cb36d561ce7b24960~mv2.png/v1/fit/w_1000,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>kristjan53</dc:creator></item></channel></rss>