Quick Take & Executive Summary
- **The 24-hour rule cuts impulse spending by up to 30%**—waiting lets the dopamine spike fade so logic takes over.
- **After the pause, ask two questions:** “Would I buy this at 10% off?” and “Does this move me closer to my goals or away from debt?”
- **True needs get bought; wants get a “fun fund” or a pass**—no guilt, just financial self-respect.