The Jesse Mecham Show Why Is It So Freaking Hard to Save Money? (And How to Make It Easier)
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Aug 21, 2025 Saving money often feels like a chore compared to the thrill of spending. The psychology behind financial behavior reveals that many people struggle with saving rather than overspending. Reframing savings as future spending makes it more appealing. By assigning every dollar a job, you can visualize your savings and make financial goals concrete. This approach turns saving into a meaningful part of your financial journey, transforming it from a dreaded task into an exciting plan for the future.
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Why Saving Feels Harder Than Spending
- People rarely have a 'saving problem' because spending yields immediate, concrete rewards while saving feels abstract and unrewarding.
- This makes spending psychologically easier and saving fundamentally disadvantaged in daily choices.
Concrete Rewards Beat Abstract Future Value
- Spending gives you a concrete item or experience now, while saving only gives you an abstract number in the bank.
- That abstraction makes saving a much weaker competitor when you compare immediate wants to future value.
Give Every Dollar A Job
- Give every dollar a job by assigning savings to specific future expenses so the dollars become concrete.
- Treat savings as planned future spending to make trade-offs feel fair and motivating.