We all know we should spend less and save more, yet many of us struggle to do this and we blame ourselves. Turns out, our environment is what we really need to change, and behavioral scientist Wendy De La Rosa explains why. Managing your money can feel scary and complicated, but it doesn't have to be. In this TED series, behavioral scientist Wendy De La Rosa explains why we spend too much and save too little -- and shares easy steps to help us achieve a more secure financial future. Watch more of Your Money and Your Mind with Wendy De La Rosa here:    • Your Money and Your Mind with Wendy D...   Visit http://TED.com/ to get our entire library of TED Talks, transcripts, translations, personalized talk recommendations and more. The TED Talks channel features the best talks and performances from the TED Conference, where the world's leading thinkers and doers give the talk of their lives in 18 minutes (or less). Look for talks on Technology, Entertainment and Design -- plus science, business, global issues, the arts and more. You're welcome to link to or embed these videos, forward them to others and share these ideas with people you know. Become a TED Member: http://ted.com/membership Follow TED on Twitter: http://twitter.com/TEDTalks Like TED on Facebook: http://facebook.com/TED Subscribe to our channel: null TED's videos may be used for non-commercial purposes under a Creative Commons License, Attribution–Non Commercial–No Derivatives (or the CC BY – NC – ND 4.0 International) and in accordance with our TED Talks Usage Policy (https://www.ted.com/about/our-organiz...). For more information on using TED for commercial purposes (e.g. employee learning, in a film or online course), please submit a Media Request at https://media-requests.ted.com/