Framing your experiences as, "I have to..." leaves you feeling choiceless. Instead, try framing your experiences as, "I get to..."

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.