I'm a master procrastinator. Easily distracted, very proficient at finding trivial things to fill my time, right up until a looming deadline, when I become the most productive machine known to humankind.

It turns out that, as a nation, we're pretty good at putting off important financial decisions, sweating the small stuff instead.

In this episode, I chat about some interesting new research which found that we lack the mental space to tackle money matters, and what we can do about it.

There's also a roundup of the latest personal finance news, and the aftershow, where I talk about what's been happening at Informed Choice this past couple of weeks, as well as why I spent a couple of hours swimming in a very cold lake on Sunday morning.