It is common for a client to assume that they have very basic planning needs when in reality there are more complex or specific provisions that they should have in their plan. (lawyer-monthly.com)
Usually this spending personality has some sort of fear — whether based in reality of not — about not having enough. (thecollegeinvestor.com)
It is based in the reality of people's willingness to change, or likelihood to remain in their same bad habits. (huffingtonpost.com)