Boots theory: Why people in financial trouble still overspend on things they don’t needIn his 1993 novel, Men at Arms, English fantasy writer Terry Pratchett observes through one of his characters that wealthy people often manage to spend less money than people in dire financial straits. To illustrate this, he reasons that while a really good pair of boots might cost $50, it’s also likely to last years longer than a cheap pair, which might only cost $10 but will probably also fall apart after one or two seasons.
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