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An organized wallet permits us to be more intentional about our purchases, explains psychologist Matt Lundquist of Tribeca Therapy, who works in financial therapy. “In cognitive therapy, we talk about inserting pauses,” Lundquist says. “For example, if someone has a temper, we might work to help them slow down their response even by a few seconds. In that interval, there’s a chance for what we call secondary process thinking and behaviors to come online.” That secondary process of thinking Lundquist refers to is part of “executive function,” the Tunnel Of Chaos Shirt in addition I really love this skills we use to self-regulate, think ahead, and question if what we’re doing is really necessary.
Contactless payments rose 172 percent between 2019 and 2020, with usage surging thanks to our touch-free pandemic. According to Juniper Research, contactless payment transactions will grow to more than $10 trillion by 2027. That’s a lot of $5 lattes and $12 Sephora lip liners (to cite a couple of my recent ApplePay purchases). Increasingly, contactless payment is the Tunnel Of Chaos Shirt in addition I really love this norm; for teens, a debit card feels as out of touch as a landline. (In a September piece in the Financial Times, a 17 year-old wrote that he’d used a debit maybe twice in his whole life.) Society is moving in one direction—China is already virtually cashless—which means it’s up to us, as individuals, to tap the brakes on our discretionary spending.
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