Kerry Lutz's Financial Survival Network Substack

Kerry Lutz's Financial Survival Network Substack

To Understand People and Life, Follow the Incentives

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Kerry Lutz
Jul 07, 2026
∙ Paid

If you want to understand why people do what they do, stop listening to what they say and start looking at their incentives. It’s tempting to explain everything through greed, morality, tribalism, or even darker impulses. Those forces certainly exist, but they rarely tell the whole story. Incentives are what consistently shape behavior.

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