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Money decisions often feel emotional — guilt, fear, or shame — rather than rational. This article explores how behavioral design and nudges can help people make better financial choices without pressure or manipulation. Using insights from a large-scale PNAS study on student loans, it shows how small, well-crafted reminders can reduce delinquencies and restore a sense of control. Behavioral design works best when it promotes transparency, simplicity, and support — turning financial behavior from a source of anxiety into a step toward peace of mind.