Once upon a time, did you cut up a credit card?What about six year term loans on cars?What about consumer debt?Where are we now?Are Americans drowning in debt?What’s the difference between the last recession and now?What’s the bright side of the pandemic?What has happened to consumer debt?What is different now?Are we buying as much?Will we go back to the spending spree?When will the debt chickens come home to roost?What about relationships?What about experiences?Do you remember what gifts you received from the holidays 5 years ago?Who is in debt?What did Mark learn from Katrina?What is the principle of Occam’s razor?How does this principle look in action?Are your subscription services multiplying?Do you eat take out every night?Do you have memberships?Have you recently taken stock of your spending habits?What are the six tips?What is a want?What is a need?Are you sexy? Sophisticated? Cool?How do advertisements affect our behavior?Are you able to take a box breath?What is a box breath?Can you inhale for four counts?Can you hold your breath for four counts?Can you exhale for four counts?Can you hold your breath for four counts?Could you take a box breath before a purchase?What’s the worst thing that can happen if I don’t purchase the thing?Will buying this give lasting pleasure?What about the spending pleasure meter?Will the purchase be a real pleasure or a real waste?How long have I wanted this?Did I want this before I saw something else similar?The last time I purchased a similar item, how long did the enjoyment last?If I finance or charge this item, will I still be paying for it after the pleasure is gone?Can I postpone this purchase for a month without causing harm, discomfort or inconvenience to myself or others?What’s the score card?Would you like to fill out the Spending Pleasure Meter?Would you like to send a screenshot of your results to [email protected]? How can you curb the impulse?What about wrapping up the credit cards with paper stating your goal?Have you written out your financial goals?What really makes you REALLY happy?Do you want to clean that thing?What do you want to enjoy today?How long does the “happy” last?When is the expiration date?What is perceived obsolescence?Are you a visual learner?Can you see yourself throwing away the item?What is the hedonic treadmill?What about Parkinson’s law?How do we pursue happiness?What is your happiness set point?What about lottery winner happiness?What about paraplegic happiness?What about the baseline?Can our long term average level of happiness change?How might we impact our baseline level of well being?What voluntary, internal circumstances are under our control?Are we consistently and constantly grateful?How does gratitude help us become a more conscious spender?Do we crave material goods?What about loving kindness meditation?Do you notice and accept your emotions?How might you simplify your life?How might you find meaning and pleasure?What about vocations and hobbies?What are you grateful for?How might you cultivate your relationships?What about the mind body connection?What about exercise?What are your spending triggers?What are some strategies?Want a bonus tip?What about Richard Thaler?What if we took the best parts of human behavioral psychology and applied it to spending?What if you moved money from savings to checking (instead of checking to savings)?What did Warren Buffet say?What are the takeaways?Would you like an intro call with Mark?What about a spending journal?Could HR start depositing your check into savings instead of checking?What about the spending pleasure meter?Would you like to leave us a review? Send us a screenshot to [email protected] and we will send you a FREE book! Would you like to join us for our upcoming webinar on Saturday September 12 at 10AM CT?If you haven’t already, would you like to join our mailing list?
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