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The problem, of course, is that while you might purchase a car or refrigerator every few years, you buy groceries and clothes and movie refreshments every week or every day.Still, while such distinctions may be illogical from a strict economic point of view, they seem reasonable and harmless enough.And that is why, when attempting to balance and evaluate their investment portfolio, people often err by failing to knock down mental walls among accounts.If, on the other hand, those same people had taken that money out of their paycheck during the course of the previous year and deposited it into a bank account or money market mutual fund, they would most likely think long and hard before spending it on a new suit or Jacuzzi.No matter that had the groom left the casino after his penultimate bet, he could have walked across the street and bought a brand-new Rolls-Royce for every behavioral economist in the country -- and had enough left over to remain a multimillionaire.
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