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Jonathan Verhaeghe is a Belgian personal finance content creator. He hosts a podcast called “Joney Talks,” where he interviews international guests about money.

Jonathan’s personal finance journey began as an adult. After spending a year living in France on his company’s dime, he realized that there was more that he could be doing with his money. However, he didn’t know where to start. He started to document his personal finance journey, and this led him to blogging.

We talk about the differences Jon has observed between Europeans and Americans when it comes to money, and the irony of being a finance major who understands Black-Scholes, but not budgeting.