It would be great if one could improve the human brain to optimize it for handling money. As it is, there are a lot of things about the way we see the world that make managing our finances more difficult.
For example, human beings have a present bias. That means that we have a tendency to overvalue the present moment, and undervalue the future. That makes it very hard to plan ahead and save for some future expense. And it’s why so many of us go into debt without worrying too much about the future consequences.
The good people at Quartz put together a list of human flaws and biases that make managing your money harder than it should be. See them all here.