Поведінкові фінанси ще й досі сприймаються як сфера, присвячена виключно вивченню формування цін на фінансові активи та поведінки приватних інвесторів. Це трактування значною мірою є оманливим, тому що в ньому не враховано постійно зростаючого масиву емпіричної роботи у сфері фінансів домогосподарств – підгалузі поведінкових фінансів, яка стосується інвестицій та запозичень домогосподарств. Приділяючи особливу увагу питанню недостатнього рівня заощаджень, участі й диверсифікації, а також помилкам у виборі боргових контрактів та в управлінні борговими зобов’язаннями, автор ставить за мету ознайомити широкий загал з останніми дослідженнями у сфері фінансів домогосподарств. Даний огляд відрізняється від уже існуючих тим, що зосереджується на сукупності невзаємовиключних пояснень спостережних явищ, у тому числі пояснень, запропонованих прихильниками поведінкових та неокласичних фінансів. Крім того, особливий наголос робиться на виборі між іпотечними кредитами з фіксованою та плаваючою ставками, враховуючи їхню важливість для макрофінансової стабільності. У статті також обговорюються свідчення того, що фірми усвідомлюють поведінкові слабкості населення та охоче використовують їх на свою користь.
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