How Does Psychology Of Money Affect Spending Habits?

When my mother won a million dollars from a lottery ticket, she prepared an envelope for each of her three children. After we opened them, my younger brother and younger sister each found a bank card inside. But from my envelope, two 1-dollar coins clinked onto the floor. Seeing me freeze, a trace of unease flickered across Mother's face. "Cassian," she said hesitantly, "Logan and Sienna suffered a lot growing up because your father passed away so early. So I gave each of them 500 thousand dollars as compensation. "You're the eldest son—like a father to them. Don't fight with them over this, okay?" I glanced down at the faded down jacket I had worn for years, the fabric so worn that it had lost its color. Then, my eyes drifted to my younger brother's limited-edition sneakers and to the designer bag slung over my sister's shoulder. Mother seemed to have forgotten that when Father died, I had only been eight. I smiled faintly. "Alright. I won't fight them for it." Hearing this, Mother let out a long breath of relief. The next second, my voice turned cold. "Then I won't fight for the responsibility of supporting you in your old age either."

On my way to the bank, I stumbled across a post: [What's the most shameful thing you've done behind your partner's back?] One comment stood out: [I secretly married my first love, and my girlfriend keeps dumping money into our joint account like an idiot. She actually thinks I'm saving for a house. There's already sixty-seven grand in there. Once she hits eighty, I'm taking it all!] The flood of likes made my stomach twist. I pulled up my account balance. Sixty-seven grand. Not a penny more, not a penny less. So, my boyfriend secretly married his ex.

I go to the boutique my son has invested in to pick up the gown I've ordered for a banquet. Just as I'm about to leave, the manager, Wendy Reed, stops me and says that I still owe them money. She pulls out the bill. I look down at it and see that the boutique is charging me 300 thousand dollars for their creativity, 500 thousand dollars for fabric therapy, and one million dollars for their chief designer's mental wellness. On top of other expenses, the price totals up to two million dollars. I laugh incredulously and send a message to my secretary. "Withdraw our funding from my son's company and this boutique!"

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.

Yelena Moon, the new intern, claimed to be someone who could bring wealth to everyone. Apparently, the lottery numbers she had her eye on would definitely win a prize. Everyone lined up to get her to buy lottery tickets for them. Surprisingly enough, they became millionaires overnight. But I soon realized that whenever Yelena won a lottery prize, I'd lose money to all sorts of incidents and accidents. I might suffer from a bone fracture one day, only to get into an accident that required a surgery the next day. Even my own luck started to run out when it came to my own wealth. I kept failing my investments while racking debts nonstop. In the end, the loan sharks came knocking on my door. My senses were all frayed at that point. In a fit of despair, I demanded answers from Yelena, only to get scolded by everyone else. "What do you mean Yelena swapped out your luck for hers? I think you're just jealous of the fact that everyone's getting rich now!" "You can't even retain your own wealth, and yet you have the guts to frame a young woman for such nonsense! People like you are absolutely toxic to this world!" I tried my best to defend myself, but not even my own dad believed me. To rub salt into my wounds, he even treated Yelena as his own biological daughter and kicked me out of my home. Later on, someone tossed a sack over me and kidnapped me. After torturing me to no end, they threw me off a high building, I was crushed beyond recognition. When I wake up again, I've returned to the day Yelena is flaunting her financial luck. Upon noticing how smug she looks, I start buying lottery tickets like mad. "What a coincidence! I'm also super lucky when it comes to wealth!"