Some of these heuristics are dystopian to no end.

> Most people are creatures of habit when they spend money. A nine-to-fiver doesn’t suddenly start buying gas at 3am.

Breaking out of a habit once in a while is what keeps one's mind sharp.

A big "fuck you" to financial analysts with those groundhog-day mindsets for making my life much more miserable than it needs to be and for adding a chilling effect to those little getaways that make life interesting and worthwhile. I despise you for this.