We treat money differently depending on its source — but money is fungible.
A bonus feels like "free money" to splurge with, even though it's just income. A refund feels different from a salary. This cognitive trick leads to poor financial decisions — we're less careful with money that arrives unexpectedly or is labelled differently.
Review your last three "windfall" financial decisions (bonus, gift, unexpected income). Would you have made the same choice if it had been your regular salary?
Are you treating any income, savings, or windfall differently from how you would treat the same amount if it arrived as regular income?
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