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" ... 2. You don't lose money: Spending your money exactly how you desire to means that you don't lose it, like in a bad investment or lawsuit. Maybe you donate your money, directing it precisely where it can do the most good and doing something beyond yourself. Now, no one can take that away from you. Though overspenders run the risk of frivolous consumption — like buying a boat then deciding they don't enjoy boating — healthy spenders do not lose. They get what they pay for. ... "