We have so much practice making decisions about what we want, you’d think we’d know exactly how to optimize our joy when it comes to spending (and saving) our money. Truth is, we don’t.
Psychotherapist Joyce Marter, author of “The Financial Mindset Fix,” says our belief systems about money — Is money good or bad? Is it better to save it or spend it? — develop at an early age as a result of our family dynamics and other formative experiences, and they are deeply ingrained.