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Mind Over Money: Why You Buy Things You Donât Need
How your brain tricks you into overspendingâand how to outsmart it.

đŹ Welcome to the Experiment
Ever walk out of a store (or close a tab) with a bunch of stuff you definitely didnât plan to buy? But somehow, some way, it made its way into your hands (or your cart)...
Youâre not broken. Youâre not reckless.
Youâre human.
And your brain? Itâs been quietly learning your spending habits for yearsâshaped by how you grew up, what you scroll past, and how good it feels to click âadd to cartâ after a trash day.
Itâs like your own personal AIâtrained on your vibe, your stress levels, your TikTok faves, and your midnight cravings.
Because letâs be real:
In your 20s, money isnât just money.
Itâs freedom. Itâs fun. Itâs a âtreat yourselfâ after that 3-hour commute, your 6th rejection email, or a fridge thatâs somehow full but has nothing to eat.
So today, weâre putting on the lab coats and thinking caps to look inward.
Letâs examine five common Spending Subjectsâfrom chaotic to consciousâand study how we can evolve from đ§ "buy now" brains to đ§ "buy better" ones.

Find What Your Looking For Here
đ§ŞSubject 001: The Feels-Fueled Finesser
Alias: The Retail Therapy Guru
Primary Trigger: Feelings â Purchase
Case Summary:
This subject shops with the heart, not the wallet. After a rough day, break-up, or existential spiral, nothing hits quite like a little checkout dopamine.
What starts as âI deserve something niceâ often spirals into a dopamine-fueled spree thatâs later followed by guilt or regret.
Psychology at Play:
Dopamineâthe brainâs reward chemicalâspikes when you anticipa`te a purchase. Emotional spending hijacks this reward loop. Your brain begins to view spending not as a financial decision, but as an emotional release.
Behavioral Symptoms:
âI earned thisâ purchases after bad days or burnout
Self-soothing with takeout, fast shipping, or little luxuries
Post-purchase guilt thatâs quickly solved byâŚanother purchase
Rewiring Protocol:
âď¸ Build a âFeel-Better Toolkitâ that doesnât require money: a walk, playlist, stretch, journaling, texting a friend
âď¸ Keep a âTreat Yourself Without Buyingâ list
âď¸ Ask before every impulse buy:
ââ Is this self-care or self-sabotage?
đ§Ş Subject 002: The Deal-Hunting Daydreamer
Alias: The Justification Jedi
Primary Trigger: Brain biases â Totally âlogicalâ purchases
Case Summary:
This subject is easily hypnotized by psychological tricksâlike sales, price comparisons, and TikToks whispering, âyou need thisâ. They might recognize a poor value after the purchase, but in the moment, the decision feels rational⌠even smart.
Psychology at Play:
Anchoring: A $49.99 jacket looks âcheapâ next to a $120 one, even if you donât need either
Sunk Cost Fallacy: You keep unused subscriptions because âyouâve already paid.â
Temporal Discounting: Your brain values small rewards now more than big ones later
Instant Gratification: Present You wins; Future You suffers. Every. Time.
Behavioral Symptoms:
Buying something just because itâs on sale
Rationalizing random purchases as âinvestmentsâ
Holding onto subscriptions âjust in caseâ
Rewiring Protocol:
âď¸ Practice âfuture meâ framing: Will I still want this next week?
âď¸ Make a 7-day wishlist buffer: delay the dopamine
âď¸ Audit recurring charges quarterlyâdonât let your money leak
âď¸ Unsubscribe from promo emails, unfollow âtreatâ accounts, and uninstall shopping apps to cut the influence
đ§Ş Subject 003: The Scroll-Spender
Alias: The Tap-to-Buy Technician
Primary Trigger: Boredom â Auto-purchase mode
Case Summary:
This subject doesnât mean to spendâit just⌠happens. They scroll, they tap, and next thing you know, a package is on the way. Oops. Theyâre not driven by emotion or logicâbut by habit. Shopping is muscle memory now.
Psychology at Play:
Habits form when a cue leads to a routine that delivers a reward. The digital world has made buying frictionless, so your brain doesnât even register it as a âdecision.â Itâs just what happens when you're bored, tired, or scrolling.
Behavioral Symptoms:
Midnight Amazon hauls you barely remember
âHow did this get into my cart?â
Habits tied to apps, moods, or time of day
Rewiring Protocol:
âď¸ Create purchase friction: remove saved cards, turn off 1-click
âď¸ Install a pause ritual: journal the impulse before any buy
âď¸ Replace cues: If boredom is the trigger, shift the habit to something else (stretch, scroll a different app, voice memo a thought)
đ§Ş Subject 004: The Debt Cycler
Alias: The Swipe-Swipe Surgeon (That Swipes All Their Problems Away)
Primary Trigger: Debt fatigue â âOne more wonât hurtâ
Case Summary:
This subject tends to already have accumulated debtâsometimes a little, sometimes a lotâand now operates under the motto of âwhatâs a little more?â
Rather than halt the pattern, the debt becomes a numb backdrop to continued spending. The Swiper knows the credit card statement is ugly, but convinces themselves theyâll handle it next month. Which then becomes⌠next month again.
Psychology at Play:
This is debt denialâwhen the emotional weight of debt gets so heavy and constant, your brain justâŚmutes it. Pair that with future discounting (âIâll fix it laterâ) and learned helplessness (âItâs already bad, so whatâs the point?â)âand you get a mindset that normalizes the chaos.
Behavioral Symptoms:
âIâll deal with it next monthâ (every month)
Buying stuff even when you know itâs a bad idea
Not checking statements because⌠yikes
Normalizes debt as âjust how it isâ and keeps spending like the bill wonât come due
Rewiring Protocol:
âď¸ Check your total debt weeklyâeven if it stings
âď¸ Swap shame for structure: Set auto-payments (even tiny ones) to rebuild traction
âď¸ Use visual progress: debt tracker, money app, printable chart (âCause who doesnât love a fun, aesthetic chart?)
âď¸ Try a âswiper no swipingâ challenge: 5 days at a time, then reset
Debt isnât foreverâbut avoidance makes it feel that way.
Youâre not bad with moneyâyouâre just overwhelmed by it.
Regaining control starts with one honest look and one small shift.
đ§Ş Subject 005: The Chill Baller
Alias: Buddha Billz (a.k.a. Zen with Cents)
Primary Trigger: Values â Vibes â Victory
Case Summary:
This is the final form (from what we have observed). Theyâre not perfectâbut they spend with purpose. Every dollar is aligned with their priorities, their goals, and their future. Enlightenment? Practically.
Psychology at Play:
Budgeting isnât a punishmentâitâs peace. That âbuy dopamineâ hits way harder when youâve waited, planned, and aligned the purchase with your priorities, unlike that pack of mystery TikTok gadgets already collecting dust.
Their spending is rooted in clarityânot emotion, ego, or impulse. They treat money as a tool, not a trigger. Itâs not âCan I afford this?â Itâs âDoes this match who I want to be?â
Behavioral Symptoms:
Rarely regrets purchases
Spends on what matters (experiences, growth, impact)
Uses budgeting to enable life, not restrict it
Rewiring Protocol (How They Got Here):
âď¸ Built awareness of their spending defaults
âď¸ Connected purchases to their core values
âď¸ Created systems that reward consistency + progress, NOT perfection
Important Note:
Buddha Billz wasnât born this way.
They trained. And you, too, can become enlightened in your spending.
đŹ Results Inconclusive (But Progress is Progressing)
At the end of the day, weâre all human. Some days youâre the Tapper. Sometimes the Feel-Fueled Finesser. The goal isnât to be perfect. Itâs to notice whatâs happeningâand catch yourself before itâs too late. As long as youâre the intentional spender most of the time, youâre doing great. Spending consciously doesnât mean saying ânoâ to fun. So next time you feel the itch: Pause. Then rerun the experiment with a better outcome. Letâs keep testing, | ![]() |
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