We treat a tax refund like a gift and a paycheck like a responsibility.
Logically, it’s all the same money. But in our minds, it isn’t.
This mental accounting leads to splurges we justify and sacrifices we think are necessary.
The trick isn’t earning more or saving more. It’s seeing money for what it is: a tool, not a story.
When we change the story, we change the outcome.
Have a Happy New Year,
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