Top Reasons We Overspend (Even Financial Advisors Do It)

We expect financial advisors to have it all figured out. Fully optimized budgets, zero impulse purchases, complete immunity to a well-timed discount code. The reality is considerably more human.

In this episode of Couchside Conversations, Morton Wealth advisors Beau and Patrice open up about their own spending confessions: late-night Instagram shoes, $500 in mobile game purchases, $2,000-a-month grocery bills, and a DoorDash habit that started with a newborn and never quite stopped. Along the way, they get into the real psychology behind why we overspend and the practical strategies that help.

Questions This Episode Answers

Why do I keep making impulse purchases even when I know better?

Because impulse spending is rarely about the thing you're buying. It's about what the purchase is doing for you emotionally in that moment: comfort, novelty, distraction, a small reward at the end of a long day. The apps and algorithms on our phones are designed by teams of neuroscientists and behavioral researchers who know exactly when you're most likely to spend. They're not catching you at random. They're catching you when your guard is down, your inhibitions are relaxed, and you're looking for a little relief. Knowing this doesn't make the urge go away, but it does change how you respond to it.

What's the difference between impulse spending and emotional spending?

Impulse spending tends to be unplanned and reactive: you see something, you buy it, and you may or may not regret it. Emotional spending is broader and includes purchases that are deliberate but driven by emotional pressure rather than practical need. In this episode, Patrice describes buying expensive shoes the night before a major work event, fully intentional and with zero price sensitivity, because she needed the confidence boost. Beau describes spending $500 on mobile game purchases one micro-transaction at a time while sleep-deprived with a newborn, because he needed distraction and stimulation to stay awake. Both are emotional. Only one felt spontaneous.

How does social media make overspending worse?

Social media distorts your baseline for what's normal. When you're scrolling through aspirational content about homes, travel, wardrobes, and celebrations, your sense of your own needs quietly shifts. What once felt like a want starts feeling like a reasonable expectation. On top of that, the algorithm learns your preferences and gets increasingly precise about surfacing things you're likely to buy. Patrice explains it plainly: the algorithm is scarily intuitive. It knows what you like, and it keeps showing you more of it, at exactly the right moment.

Is it normal for spending to spike after a major life change?

Yes, and it's worth understanding why. Beau describes how a DoorDash habit that started out of genuine necessity after his son was born quietly became a default long after the chaos of early parenthood settled. This is how a lot of overspending patterns form: a habit that makes complete sense in a high-stress period outlasts the stress. The convenience and the comfort of it get baked in before you realize you no longer need it the same way you did. Spending patterns are much easier to establish than to undo.

What works for curbing impulse spending?

Two things stand out from this conversation. The first is hacking the anticipation loop: your brain gets most of its reward from anticipating a purchase, not from making it. Adding something to your cart and then closing the app gives you much of the emotional payoff without the spend. If you still want it a day later, you can buy it with intention rather than impulse. The second is using guardrails on your own behavior. Apps like Opal can limit your screen time on shopping or social apps. A quick check-in with your partner before purchases over a certain amount can create a small but effective friction point. None of this is about deprivation. It's about building a short delay between the impulse and the action.

How do discounts and deals drive overspending?

Discounts create a sense of urgency and justify purchases that might not otherwise make sense. Patrice is candid about this: she refuses to pay full price, but wave a discount in front of her and the purchase becomes easy to rationalize. This is not a personal failing. It's a feature of how consumer marketing is designed. In the US, roughly 70% of the economy runs on consumer spending, and retailers have built sophisticated systems to keep it moving. A discount isn't a gift. It's usually an invitation to spend money you hadn't planned to spend.

What's the right way to think about spending on things that genuinely matter to you?

The goal isn't to stop spending. It's to spend on things that actually reflect your values rather than things you bought in a moment of emotion you'll barely remember. Both Beau and Patrice have categories they're genuinely happy to spend on: quality food and experiences for Beau, quality over quantity for Patrice. A good spending strategy has room for those things. What it tries to eliminate is the spending that doesn't deliver what you thought it would.

Transcript

SPEAKER_00 0:14

Cheers, Patrice. Cheers, though. Today, just between you and me, no one else listening, we're gonna have a little confessional. Confessionals on the couch drinking coffee, confessions of a financial advisor. Because today we want to expose how just because we are professionals in the financial sphere, we are still humans who struggle and we need help ourselves. So hopefully, our goal today is to talk about our own financial mistakes that we all make. Hopefully, you're included in this group, just us. And uh and so we'll kind of you know open the hood, peel back the onion, get inside and show what we're really all about. So this is the thing those who can't do teach. That's why we became financial advisors, right? Because it's more of like a do as I say, not as I've done situation. I've made every financial mistake in the book, and I'm sure like you know, you've made a few yourself.

SPEAKER_01 1:07

Oh no, I'm perfect, but go ahead.

SPEAKER_00 1:09

But specifically when it comes to impetuous spending, like spending without thinking, tell me, have you ever done it?

SPEAKER_01 1:17

It's just the two of us, right?

SPEAKER_00 1:19

Just the two of us. You it's just you and me, Patrice.

SPEAKER_01 1:21

Thank you both for creating the safe space to do this. Um so interesting that you asked. It's been um maybe a month ago that since your last confession. Since my last confession.

SPEAKER_00 1:34

All right. That uh forgiven.

SPEAKER_01 1:36

I that I actually had to confess to my spouse about a purchase, you know, because we all make purchases that seem relatively innocent. And I swear it was innocent. I mean, I just I only bought shoes. But um I happened to come home one evening from work, and we do have a rule in our house that we take our shoes off before we go in, but I was holding really heavy grocery bags, so I went straight to the kitchen. And my husband, as I walked in, I clack, clack, clack with my heels, and he happened to see my heels, and he goes, Oh, honey, I are those new shoes, and I said, Oh, those, um, I mean, not not these old things. I mean, they're relatively new. I've worn them just a couple of times, but then as I thought about them, he goes, Where, he's like, Where'd where'd you get them? And usually doesn't really ask me that, but I said, funny, you should ask, but Instagram?

SPEAKER_00 2:32

Oh, can of worms.

SPEAKER_01 2:34

So, and then I thought, Instagram? And he said, I didn't know Instagram sold shoes. And I said, Well, they they really don't, but you know, you get because he's not on social media, so I have to explain this to him that there's an algorithm, so if I like something, then it just promotes more of the same thing. And I do like shoes a lot. Um, so it just happened then one night with the glass of wine in hand, maybe after 10 o'clock, because that's usually when I make those kind of purchases. Um these pair of shoes just looked really, really good. And I don't know, it was under $80.

SPEAKER_00 3:10

Under $80 for a pair of sh insta shoes.

SPEAKER_01 3:13

Insta shoes. Yeah. Um, they're maybe not the most comfortable shoes, bow, but they Well, you couldn't try them on now, could you? They're really cute though.

SPEAKER_00 3:21

They are really cute from what Kevin told me.

SPEAKER_01 3:24

Yes. And and I got compliments at the office.

SPEAKER_00 3:26

Clearly. I'm just surprised that Kevin noticed that you were wearing new shoes. Like, go husbanding. That was that was really good on him.

SPEAKER_01 3:32

Yes. I mean, he'd clickly clacked, but you know, that's really on me, for I should have taken the shoes off. Now I know to hide better. So yes.

SPEAKER_00 3:39

Okay, so how'd that conversation go? And you were like, oh, wine, it was late, you know, no one was around, me and Instagram.

SPEAKER_01 3:46

So he did actually ask me, he goes, How often do you buy shoes on Instagram? And I have to say this was a one and only, but I do shop online quite a bit, and more for a convenience point. But what it kind of made me think is that I make a lot of purchases after between 10 and 11 p.m.

SPEAKER_00 4:08

That's the data. You see the spike in the activity right then. Yeah.

SPEAKER_01 4:11

With a glass of wine in my hand.

SPEAKER_00 4:13

Isn't it amazing though? I mean, look, we all, this is why we're having this conversation. We all do this when you're relaxed and your inhibitions are down and you're just trying to, I don't know, find that little late night reward, you're gonna reach to something, be it chocolate or you know, a glass of wine or you know, shopping, like a little, you know, shopping, what is that called? Shopping therapy? Retail therapy, retail therapy.

SPEAKER_01 4:35

But so it's interesting, but then at the same time, I have another example of something that I did, which I dragged him along with. So last year we had our big um, you know, investor symposium. Yes. The night before I had a crisis. I literally, to me, I pick first the shoes and then the outfit.

SPEAKER_00 4:56

I mean, obviously.

SPEAKER_01 4:57

No shoe in my closet was going to do it. And I was I had a meltdown at 8 p.m. the night before a big event that you know was gonna be on stage. And I made my husband go with me to the department store to buy shoes on something. So this is an intentional spending bow, but it was literally an hour before the store closed, and I literally had zero, no price, like did not matter. Let's just say I spent over a hundred dollars on a pair of shoes that I've probably gonna wear. I don't know, I wore once so far, but it it gave me the boost of confidence I needed the next day. So I call that intentional but irrational spending.

SPEAKER_00 5:39

Got it.

SPEAKER_01 5:40

So the first category was influenced, like, you know, I'm comfortable.

SPEAKER_00 5:45

Unintentional and irrational. This was very intentional and yet irrational. Irrational.

SPEAKER_01 5:50

Because there's I did not need to do that. There was definitely I had pairs of shoes that would have checked that box for me. So it's interesting how the things that the emotional things that drive our behavior in in spending is there, there were two different things that made me like impulse spending, I should say.

SPEAKER_00 6:08

Yeah, it seems like math is really the last thing that we think about when it comes to uh the values that we place on certain purchases. It's like what are you buying in that moment? You're buying a sense of confidence, you're buying a sense of convenience, you're buying a sense of novelty, you're buying relaxation. Like that's there's some value that you're purchasing when you make an impulse decision like that. Um, at least you walked away with an item from your impulse buy.

SPEAKER_01 6:32

Yeah, though. I feel like we're really exposed here. I feel like you need you need to save me.

SPEAKER_00 6:36

Forgive me, Patrice, for I have spent, and it has been months and months since my last confession. So our son was just born. Okay, look, different situation. I've never been a father before, not getting any sleep. And um, and so you're up at night all night, you know, just like rocking the baby and like trying to get him to sleep, and like you're just not sleeping. So you're you're on your phone, like you're distracting yourself to stay awake so that you don't fall asleep and drop the baby. And so I got on my phone and I downloaded for the first time in my life a game, an innocent game with innocent in-app purchases. And when I say innocent in-app purchases, they're like 99 cents, $1.99. If you're going crazy, there's a $4.99 purchase, and you know, I'm like, I'm doing really well, I'm winning this game, and sometimes I'm like 99 cents, here we go, blah, blah, blah. At the end of, say, a four-week period. How much did I spend on this game in in-app purchases?

SPEAKER_01 7:30

All right.

SPEAKER_00 7:30

I mean, I'm gonna say like 150, 175, about that would be uh really bad if I had done that. It was $500 in a month on this game. It was $500 one 99 cent purchase at a time. I know so many shoes. I walked away with zero shoes, no footwear out of this. Yeah, and so uh, you know, tail tucked going to Danielle and be like, uh, sorry about this, I just saw the bill. Um, I might have, you know, spent his college savings on this. So, again, what was I buying in that moment? I was buying a sense of distraction. I was buying a sense of novelty and you know, keep me awake, keep me awake, keep me awake. And there was no intentionality of thinking about the next hour or the next day or the next week, but there's something that I needed from my phone at that time. And I think a lot of us fall into that trap of needing something that that that that algorithm has to offer us.

SPEAKER_01 8:30

So it's it is interesting because we talked maybe to our kids, I think that a special age, maybe middle school age, or I'm even probably late elementary school. So when they're about like nine, ten, eleven is when you start talking really to kids about needs versus wants. But I think for us, especially in today's age, I think that line becomes very blurry as well. Um, so it's it's really I think spending is becoming so much more emotional. But then now when you add social media to it, it becomes, yeah, it is intentional on many levels, but then on so many others, it it really starts becoming kind of out of touch for us because of what we are exposed to.

SPEAKER_00 9:13

And just the barriers are gone, you know. 30 years ago, you'd have to actually exit your property, get in your car, go to a store, put down some cash or a credit card, but just the swipe right situation that we find ourselves in, our brains are not ready for this, right? We have to retrain them. So these are both great examples of kind of one-off like oopsies. But what are some more like sustained systemic routine overspending patterns that we might find ourselves participating in?

SPEAKER_01 9:40

So let's let's stick with the social media influencing platforms. Um, I we talked about food. So one of my biggest categories that I spend money on is um food.

SPEAKER_00 9:54

Oh, you're one of those people who eat, huh?

SPEAKER_01 9:57

Um, I do like to eat. I run so I can eat, but I like to cook.

SPEAKER_00 10:02

Gross. Ew. Cooking.

SPEAKER_01 10:04

I can teach you a few tricks of the trade.

SPEAKER_00 10:06

I know zero.

SPEAKER_01 10:07

Pinterest is a great, great platform for that, by the way. Not to like, you know, plug in here, but I just I use and a lot of my friends use this, but that's literally, I think, even early on, I used, you know, I think it was Epicureus or whatever. The internet is great for that, but Pinterest I love just because I can look up recipes, save them, and then but I literally I think Pinterest kind of drove my uh monthly spend on on food because when I looked back when I, you know, did my uh spending for last year, not counting eating out. So in that we did do that, it was about $2,000 a month. That's $24,000 a year. Um, and that is with a child in college, but then I'm thinking that I think I fed other lions that lived in my house because my youngest is almost out of the house, but he brought, I think, his friend. I don't know. I I can't figure out where that money went, but apparently we in my belly, in somebody else's belly.

SPEAKER_00 11:00

Well, I've heard, I mean, the word on the street is that you cook with shallots instead of onions, and so that's probably the issue, right?

SPEAKER_01 11:05

Yeah, that's why I'm broke.

SPEAKER_00 11:06

Yeah. 100%. The quality of the ingredients that you choose is exponentially higher. Yeah.

SPEAKER_01 11:11

Shallots are so much better, they're sweeter, the you know, it just gives a different depth to the to the dish.

SPEAKER_00 11:16

Yeah, couldn't agree more. So So Bo, you said cooking, it's too cooking's not cooking's that's like cook is a four-letter word.

SPEAKER_01 11:26

So what do you spend your money on then?

SPEAKER_00 11:28

Well, I need other people to cook it for me, which is way more expensive than buying groceries yourself. And so, look, neither Daniela nor I are very good in the kitchen, which makes for an expensive punishment. And so, um, especially again with the newborn, this is kind of when this started. Because look, we will meal prep and make really mediocre food for ourselves when we're being good. But when the baby came, um, again, our bandwidth just went to zero, right? And so we started ordering groceries through uh Whole Foods, because obviously we need the highest quality ingredients for a little baby. Um, and then we started door dashing a lot. And again, this is not something I ever did in the past before becoming a dad, but just you're you're so like frazzled and you have no space and capacities. You're like, I need some food all of a sudden, I need it in 30 minutes. I need someone to bring it to me because I can't leave with this human being and she's napping and blah, blah, blah. And so DoorDash became a thing. And it is so expensive when you're paying for the restaurant, the labor, the food, and the driver and the tip and the service fee all in one. Like that's an expensive meal. And then do that like several times per week, and your $2,000 a month is looking really, really, really low.

unknown 12:40

Let's just put it that way.

SPEAKER_01 12:43

Okay. I mean, perspective. As you go through this chapter of your life, I would say, because you really do need to rely a little bit more on convenience. I think the word that comes to my mind is comfort. Yeah. So I think that's what you're buying right now. Right. You're not buying DoorDash, you're not buying even food. I mean, you're obviously you are, you're you're taking care of your family. But overall, like what you're checking emotionally and from a needs perspective, like truly from a needs perspective, is is convenient. Comfort.

SPEAKER_00 13:14

That's exactly right. So yeah, what are you buying? It keeps on being the question that we come back to. Like, what are you buying when you're spending money in a way that your financial advisor would be like, ah, ah, like, don't do it, please. Um, you're buying something that's actually what someone would call rational. Like, there is a reason that you're doing it. I want comfort, I want novelty, I want uh, you know, some sort of feeling of peace or distraction. Um, and that's what think that that we're being offered. But the thing is, is that the, I mean, I want to say the greatest minds in the world, the greatest sociologists and you know, neuroscientists are working on those apps and those algorithms using the most precise market research, knowing your age, your spending habits, your the colors that you like, and just curating those ads for us. So we think that we're discovering these things, but really they're being put in front of our face. Like I will get a DoorDash notification for like some 20% off at just the right time when I'm about to get hungry now. And you know, what started with a newborn now becomes a habit when it shouldn't be a habit anymore. I'm not in chaos. I'm I'm not in that chaotic stage anymore, but now I have that habit of being like, oh, I've I I have a little uh hunger pang. Hmm, maybe a little DoorDash would be nice. That would be fun. New restaurant, let's try it out. Here's a discount. And so they kind of caught me in that place of vulnerability, but now they've made me, you know, a lifelong customer. And so I have to rework my own habits after that.

SPEAKER_01 14:48

What's interesting about the whole discount thing because I am a huge fan of the sale, sale. I'm I'm probably that's what excuses, you know, motivates my my behaviors because I refuse to pay full price. But if you wave a little discount code in front of me, then all of a sudden it's like, oh, well, then that that's gonna be worthwhile. Um, what's interesting about this is that if I think about even how just the US economy works, you know, what is it? It's about 70% of it is consumer spending. So I come from a country where that is not the case. You know, I would say in Eastern Europe, in Romania where I come from, people bought things because they truly needed them. So if I needed shoes, that pair of shoes was a pair of, let's say, brown shoes that they're going to wear until the soles came off.

SPEAKER_00 15:44

Right.

SPEAKER_01 15:45

Okay. You didn't buy brown and because then also, you know, you wanted green or red or yellow in America. You go to the store, and you know, if you buy brown, we'll give you 30% off if you buy a second pair for the red, and there's a second discount. So we're incentivized here to buy more. So I think the marketing is brilliant, obviously, and you know, now it's just elevated. So it's very different how we spend money because it is made in a way that it appeals to make us spend more, I think.

SPEAKER_00 16:16

Yeah. I think yeah, there's not a lot of accessorizing in uh Soviet Romania, right? So yeah, Patrice is your name here in the United States, but Patricia is how I would pronounce it. Funny enough, like that's a household name now because whenever I buy something, then I'm like, well, I should I deserve this, I will go. Patreet yourself.

SPEAKER_01 16:37

Thank you, both.

SPEAKER_00 16:38

So you have you have entered our nomenclature.

SPEAKER_01 16:41

Thank you.

SPEAKER_00 16:41

So thank you. Patreet yourself, Patricia.

SPEAKER_01 16:44

Thank you. All within reason, though.

SPEAKER_00 16:47

Did you just look to the camera? I sure did. It's just you and me, remember, in this conversation. Okay, so what are some things that we can do that actually we could change our habits and become more intentional while not giving up the values that we're trying to get, or the values that we're trying to, you know, buy when we make these purchases?

SPEAKER_01 17:06

So I think obviously going back to what we have in 2026, and I think what we've had for the last probably 10, 15 years, the social media, and I think that's extremely prevalent. And even me having to explain to my husband algorithms, and it is scarily intuitive how well our phones and you know pick up on our conversations are and what we like on social media. So I think it really distorts our threshold and our baseline for our needs, right? Because we can take a look and to see what housing should look like, what travel should look like, what you know someone's uh college acceptance should look like.

SPEAKER_00 17:43

Yeah, there's so much aspirational, you know, content out there that we can look at.

SPEAKER_01 17:48

So then all of a sudden your needs start to kind of blur and then think, well, what do I aspire to exactly? So I think you need to reset and figure out, like put that aside and and see like what exactly are my values, like what's important to me. So aside for obviously, you know, we're financial planners, we believe in spending strategies.

SPEAKER_00 18:11

That's right, we do.

SPEAKER_01 18:14

And we allow for some wiggle room.

SPEAKER_00 18:16

We do.

SPEAKER_01 18:17

Um, but I would say that it's like what I've when I looked back to last year and I realized that I made some purchases that were uh spontaneous, maybe you know, impulsive, some irrational, some influenced, some, you know, influenced by wine or influenced by Instagram. Uh name name pick your poison. Um, I think is if I if I were to reset my button for this year, I would what I'm doing now is I'm window shopping online. So I still like to look, I still enjoy, but I will add to cart and then close the app.

SPEAKER_00 18:57

Right.

SPEAKER_01 18:58

So, like for the little frivolous spending that I'm doing, I would say is kind of my own. I think it gives me that like dopamine, like the the emotional happiness thing that I was like, oh, I'm almost there to to get it. But then what's interesting though is I get bombarded because you have to put it in your email and all that stuff. I get emails like, oh, we we're sorry, you did not finish your purchase. Here's a 30% discount coupon. So it is very they they're trying to reel me in, but you know, if I if I ignore my email, then you know we can we can we can get by past that.

SPEAKER_00 19:35

I think you just hit on one of the most powerful tools that we have, and that's hacking our own brains and knowing that anticipation is actually the things that our brain wants most. It's not the reward at the end of it so much, it's the leading up to the reward, the anticipating the reward. So putting it in your shopping cart pretty much gives you the exact emotion that you're looking for without the cost of spending the money and the regret of having made a bad decision. And so any system that we can put in place that rewards us for the anticipation, putting something in your shopping cart, but then kind of does away with the shame of actually making an unwise purchase, you're getting the best of both worlds at that point. So shopping carts, you know, taking a one-day rule of saying, I'm gonna put in my shopping cart, one day later, if I still want it, I'm allowed to have it, right? Some sort of accountability with your spouse saying, hey, one day later, if uh if I still want this, you know, can you sign off on it or something like that? So I think that's a really good way to do it. And then secondly, I think that there's certain things, if you have addictive behaviors, like truly like impulsive, then you have to kind of just you know cut yourself off. You have to take the app off of your your phone on the weekends or something and only have it, you know, during the weeks. There's certain apps like Opal that can shut down apps, give you a time limit. So there's tools out there to help you that if you actually need guardrails, which a lot of us do, uh, then then you can use those tools. But I think just rewarding yourself with the anticipation, protecting yourself from the shame or the regret are the two things that we need to do. And then you can live your life in this crazy, you know, algorithmically charged world. So with that, this or that is next in the conversation, don't you think? Let's do this both. Let's petreat yourself. All right, Patricia. Here's a question for you Quantity or quality?

SPEAKER_01 21:28

Um when it comes to food quality.

SPEAKER_00 21:33

Okay.

SPEAKER_01 21:34

When it comes to well stuff. I mean, quantity only if I'm getting a smashing deal, and that is like two when I say and shoes, I mean I mean if I buy two shoes, two pairs of shoes, and because I'm getting like a fifty percent discount, but the operative term in this or that is the or.

SPEAKER_00 21:54

So quantity or quality.

SPEAKER_01 21:58

Okay. Quality. Thank you.

unknown 22:03

Bo.

SPEAKER_01 22:04

Experiences or things?

SPEAKER_00 22:07

Experiences all the way. I like throwing things away. And so, you know, if you give me things, they're not gonna stick around. I like having nothing. Um, but I really love experiences. That's what I spend money on. I'll like go out for drinks, go out for meals, go out for DoorDash, go in for DoorDash. All experiences for me, for sure. Patrice. Subscription services or one-time purchases.

SPEAKER_01 22:34

One-time purchases.

SPEAKER_00 22:35

Really?

SPEAKER_01 22:36

Yes.

SPEAKER_00 22:37

That's surprising me. Why?

SPEAKER_01 22:39

Only because I tried subscription services last year and I got burned because I realized that I just don't I it they sound really good and it's just not for me.

SPEAKER_00 22:50

You end up not needing the thing after a while.

SPEAKER_01 22:52

They they sound they make it sound so good, and I fall prey to all of them, and I I canceled so many in January this year.

SPEAKER_00 22:58

But the discount must get you at first, right?

SPEAKER_01 23:00

It really does.

SPEAKER_00 23:01

Yeah. Yes. All right. Fair enough.

SPEAKER_01 23:04

Bo?

SPEAKER_00 23:05

Yes.

SPEAKER_01 23:06

Planned purchases or be spontaneous.

SPEAKER_00 23:11

I I don't plan purchases very well. I'm pretty spontaneous. Again, it's almost always something that I consume. Um, however, when it comes to travel, I plan way ahead, years ahead. Make sure that I build up enough points to get the business class tickets, get the right hotels and Airbnbs. I plan travel really, really well. So I feel like I save money there, even though it's, you know, a ludicrous amount of it. But yeah. Otherwise, it's all impulse. Hire me as your financial advisor. Patrice. Thanks for confessing. Oh, and did you know that we were joined by thousands of people listening to us as we confessed? Oh my gosh. Thank you for not judging us and for not judging yourself as you go and make your spending decisions. Truly, though, if you could leave a comment of what your most embarrassing spend was, I mean, look, we told you ours. If you could tell us yours and we could all feel a little bit better about ourselves, that's what we're going for here. So thank you in advance.