This attitude can lead to very risky behavior. Say you received a bonus the last two years. I bet you’re expecting it again this year. Of course, there’s nothing wrong with thinking positively — unless you’re already spending the bonus before you have it. I know of more than one person who assumed they could afford a more expensive house or a fancier car because the expected bonus would make up the difference. Then, when it didn’t happen, they were left scrambling to make the numbers work.

Read the rest of the article on The New York Times.

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