Money 2.0: Why We Bust Our Budgets

金钱2.0:为什么我们要超支

Hidden Brain

社会科学

2022-05-10

52 分钟
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单集简介 ...

Have you had a recent surprise expense? You're not alone. More than half of American households report facing an unplanned financial shock in the last year. This week, in the second part of our new "Money 2.0" series, psychologist Abigail Sussman points out our blindspots around money, and how we can be smarter about spending and saving.
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  • This is hidden brain.

  • I'm Shankar Vedantam.

  • There's something about the prospect of getting a good deal that does curious things to our minds.

  • Imagine, for example, that you need to buy a new bedspread.

  • You're in luck, because there's a sale happening right now at a store near your house.

  • Usually, the bedspreads are priced according to size.

  • A double costs 200, a queen costs 250, and a king size bedspread costs $300.

  • But on this day, all the bedspreads are on sale.

  • For the low, low price of $150, you have a double bed.

  • The question is, what size bedspread do you buy?

  • The behavioral economist Richard Thaler once told me about a friend who faced just this situation.

  • She had a double bed.

  • Again, the usual price was 200.

  • The sale price was 150.

  • She was ecstatic about the idea of saving $50.

  • But then she got to thinking about how she could save even more.

  • If she bought the queen, she'd save $100.

  • And if she bought a king size bedspread, she would save a whopping $150.

  • You can guess where this is headed.

  • She snapped up the best deal, went home with the king.