Return policies feel like companies are being nice to us, letting us return things we bought by mistake. There's more to the story, though.

Belonging is a core needs, and we have an inherent desire to meet the need. Marketers know this and will use our sense of belonging.

Catastrophic thinking with money involves assuming the worst-case scenario. Financial gratitude is paying deliberate attention to the good.

Investing seems like it should be easy, but there's a difference between simple and easy. There are several factors working against us.