John Dinsmore
speaker
186 appearances
1 recordings
1 series
first heard Aug 2026
last heard 3 Aug
John Dinsmore’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.
Appearances
Well, when we think of the future, we always tend to think of it in terms of things working out for us, us getting the promotion, us making more money in the future than we're making now.
And while that is a good perspective to have in terms of perseverance and motivation, things don't always work out that way, right?
We all have hiccups along the way.
Everyone has a story of running into some bad luck.
And when we make financial decisions,
involving projecting our future circumstances, that optimism can sometimes get us to take out more debt than we probably should, or maybe have our finances be a little tighter than they should going forward.
Well, if you want to take what we call like an evolutionary perspective, beyond even just finances, if we didn't believe that our future was going to be better than our present or our past, it'd be pretty hard to get out of bed in the morning.
But it is this optimism, whether it's finances or love or anything else, it is something that convinces us to
get up, get out of the house in the morning and go live a life and maybe take some chances.
When we're looking at taking on debt, and it could be something as simple as, you know, maybe buying some furniture.
It doesn't have to be a house or a car or something like that.
Studies have shown that we think of debt or expense differently in the future than when we're dealing with it today.
So even though all of our past and our present tells us that, well, we're not gonna have that much disposable income left at the end of the month, even if we push the payments for things off a little bit into the future,
we somehow convince ourselves, well, I've never had disposable income in the last 30 years of life, but next year is probably going to be different.
So I'll go ahead and take that chance.
Drip pricing is where you encounter a price for a good and you think that it's
all that one price represents all that the good is going to cost you but as you go through the purchasing price there are all these little add-on costs a popular example of drip pricing would be airline tickets right you you get the airfare you go through the work to figure out here's the route and the time and the price and then once you select that flight and start going through the purchasing price well then you get hit with do you want to choose your seat
Do you want to have priority boarding?
Do all of these add on things.
But since people have already committed to the initial purchase, they usually absorb these extra prices as they go.
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