{"id":164933,"date":"2026-04-10T14:37:50","date_gmt":"2026-04-10T18:37:50","guid":{"rendered":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/?p=164933"},"modified":"2026-04-10T15:24:40","modified_gmt":"2026-04-10T19:24:40","slug":"wright-state-marketing-professor-examines-the-psychology-of-debt-on-hidden-brain-podcast","status":"publish","type":"post","link":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/2026\/04\/10\/wright-state-marketing-professor-examines-the-psychology-of-debt-on-hidden-brain-podcast\/","title":{"rendered":"Wright State marketing professor examines the psychology of debt on &#8216;Hidden Brain&#8217; podcast"},"content":{"rendered":"<p><a href=\"https:\/\/webapp2.wright.edu\/web1\/newsroom\/2026\/04\/10\/wright-state-marketing-professor-examines-the-psychology-of-debt-on-hidden-brain-podcast\/john-dinsmore-74299_017-3\/\" rel=\"attachment wp-att-164940\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-164940\" src=\"https:\/\/webapp2.wright.edu\/web1\/newsroom\/files\/2026\/04\/john-Dinsmore-74299_017-508x339.jpg\" alt=\"\" width=\"460\" height=\"307\" \/><\/a>John Dinsmore, Ph.D., professor of marketing and interim chair of the School of Supply Chain Management, Marketing and Management, discussed how psychology \u2014 not just finances \u2014 shapes the way people borrow and spend on the \u201cHidden Brain\u201d podcast.<\/p>\n<p>He explained the hidden mental biases that shape how people think about spending, borrowing and the future. He also discussed how these forces can steer us toward costly mistakes \u2014 and how to guard against them.<\/p>\n<p>He encouraged borrowers to shop around for competitive prices before taking on debt. \u201cIf you\u2019re aware of these biases and these shortcomings, you\u2019re more likely to be able to process them and deal with them well,\u201d he said.<\/p>\n<p>Dinsmore highlighted how financial products like introductory rates and deferred payments can make borrowing feel manageable in the moment while shifting attention away from long-term costs.<\/p>\n<p>\u201cThere\u2019s lots of things that influence us without our knowing it,\u201d Dinsmore said. \u201cTiny influences that change people\u2019s preferences and choices without them being willing to acknowledge that it does affect them.\u201d<\/p>\n<p>Dinsmore\u2019s insights build on his book, \u201cThe Marketing of Debt: How They Get You,\u201d which examines how common sales tactics and behavioral biases can lead consumers to make costly decisions with credit cards, loans and mortgages.<\/p>\n<p>Listen to the episode, \u201cThe Debt Trap,\u201d on the <a href=\"https:\/\/www.hiddenbrain.org\/podcast\/the-debt-trap\/\">\u201cHidden Brain\u201d website<\/a>, on <a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-debt-trap\/id1028908750?i=1000759906226\">Apple Podcasts<\/a> or on <a href=\"https:\/\/open.spotify.com\/episode\/6b5ZrEl4y6wSvYVBbPffEn?si=IcS9upLwS2yR4OpqNpodiQ\">Spotify<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>John Dinsmore, Ph.D., professor of marketing and interim chair of the School of Supply Chain Management, Marketing and Management, discussed how psychology \u2014 not just finances \u2014 shapes the way people borrow and spend on the \u201cHidden Brain\u201d podcast. He &hellip; <a href=\"https:\/\/webapp2.wright.edu\/web1\/newsroom\/2026\/04\/10\/wright-state-marketing-professor-examines-the-psychology-of-debt-on-hidden-brain-podcast\/\" class=\"morelink\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":43,"featured_media":164944,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[730],"tags":[],"class_list":["post-164933","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wright-state-in-the-news"],"_links":{"self":[{"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/posts\/164933","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/comments?post=164933"}],"version-history":[{"count":7,"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/posts\/164933\/revisions"}],"predecessor-version":[{"id":164965,"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/posts\/164933\/revisions\/164965"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/media\/164944"}],"wp:attachment":[{"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/media?parent=164933"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/categories?post=164933"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/webapp2.wright.edu\/web1\/newsroom\/wp-json\/wp\/v2\/tags?post=164933"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}