Emotional Investing Mistakes: Three Responses Costing You Money
Nearly three quarters of consumers admit to emotional splurges, and a chunk of credit card debt traces back to them. Here's what behavioral finance says to do about it.

Tommy Spencer covers mortgages with a skeptical, question everything mindset, digging into the assumptions behind rate forecasts and lending practices. His style is direct and occasionally contrarian, pushing back on popular narratives about where rates are headed. Tommy spends much of his attention on niche loan products and unconventional financing paths, from jumbo loans to portfolio lending. He likes to challenge readers to think critically about lender incentives and marketing claims before signing anything.
12 articles
Nearly three quarters of consumers admit to emotional splurges, and a chunk of credit card debt traces back to them. Here's what behavioral finance says to do about it.

Tariffs are pushing more shoppers toward secondhand toys this holiday season. Here is how seller fees on eBay, Poshmark, and Mercari compare, and what actually determines resale value.

Cyber Monday turns 20 this year. Here is how a 2005 marketing term built on slow home internet became a data driven, AI shaped shopping event, and what that history…

F ixed Income Fixed income tends to attract a rush of capital whenever equity markets get choppy, and that demand pushes bond prices up and yields down. The catch is…

A Reddit couple says they turned $57,000 into $1.1 million in a decade using index funds and automated savings, not stock picks. Here's what their numbers actually show.

Inflation is squeezing budgets everywhere. Here is how tracking spending, picking the right budget method, and cutting subscriptions can free up real cash, plus the fine print on savings apps.

Google News aggregates headlines from thousands of publishers using an opaque ranking algorithm. Here is how it actually works, how it compares to alternatives, and why it should never be…

A practical, skeptical breakdown of how to actually find reliable news in Los Angeles, plus straight answers on the Rams and Clippers logo redesigns that keep generating search traffic.

Rising pay doesn't automatically mean rising wealth. Here's how lifestyle inflation quietly drains savings, and eight practical, skeptic-tested steps to keep spending aligned with your actual financial goals.

Median savings for Americans aged 45 to 54 sit at $8,700 in the bank, but that's just part of the picture. Here's how this group stacks up and what to…

Inflation held at 2.7% in December 2025, still above the Fed's target. Here are nine practical moves, from insurance shopping to high yield savings, that ease the squeeze without drastic…

Millennials spend nearly a third of income on travel and rank vacations above homeownership in some surveys. Here is what the data really shows, and whether the habit is financially…
