Bea skips a concert she already paid $40 for because it is raining, saying the ticket money is gone either way, then spends $40 on dinner. Which idea matches her reasoning?

A store labels identical yogurt as either “90% fat free” or “contains 10% fat,” and the first label leads to more sales. What explains the difference?

Jordan keeps $600 in savings earning 2% while carrying a $600 credit-card balance at 22%, saying the savings is “vacation money.” Which habit does this show?

Tariq may take $50 today or $65 in three months. He takes $50 today even though he has no bill due this week. Which idea best describes his choice?

A laptop was first marked $1,500, then discounted to $1,000. Maya judges $1,000 as a bargain mainly because she saw $1,500 first. What is influencing her?

Devin refuses to sell a stock fund for $480 because he paid $600 for it, although he would not buy the fund today at $480. Which idea best explains his decision?

Nia paid $25 for a movie ticket and stays through a film she dislikes, saying she has to get her money's worth. What mistake is she making?

A shopper spends an unexpected $30 rebate immediately but would not spend $30 taken from regular pay. Which behavioral idea does this reveal?

An online ad says a $120 jacket is “$80 saved” rather than “costs $40.” Buyers respond more favorably to the first wording. What changed their response?

Rosa can start saving $15 each week now or wait six months and then save $20 each week. She waits because she wants the extra $15 each week now. What is this?

Two phone plans each cost $60 monthly. One says “avoid a $20 overage fee,” while the other says “receive $20 in extra data value.” Customers prefer the first. Which bias is most relevant?

A café labels its turkey sandwich “95% lean,” while a rival labels the identical sandwich “5% fat.” How can a shopper compare them without being swayed by framing?

A gym presents one membership as “$12 per week” and another identical membership as “$624 per year.” Why might more people select the weekly description?

A delivery app drops its “$6 delivery fee” and advertises “free delivery,” but adds a new $6 service charge to every order. What should a careful shopper conclude?

A retailer says a warranty has a “90% chance of no repair” instead of a “10% chance of repair.” The warranty terms are identical. Which response shows framing?

A fundraiser asks workers to donate $5 of a $20 bonus. One letter says “you keep $15,” and another says “you lose $5.” Why can donation rates differ?

A streaming service calls its $18 monthly plan “less than 60 cents a day.” To see past this framing, what is the plan's full yearly cost?

Luis receives a $200 tax refund and spends it on sneakers, but he refuses to use $200 from his paycheck for the same purchase. What could improve his decision?

Ava has $300 in an emergency fund and a $300 overdue credit-card balance with high interest. She will not use the fund because it is labeled “emergencies.” Which choice best addresses the bias?

After winning $50 in a school raffle, Cameron is willing to risk all $50 on a game but would not risk $50 from wages. Which behavior is shown?

Priya sets aside $40 labeled “fun money” but buys a needed $40 textbook with a credit card instead. What is the financial risk of this mental account?

Malik receives $100 for his birthday and spends it all, but he would save $100 earned from work. Which statement explains why his habit is a bias?

Elena budgets $75 monthly for restaurants. After spending it, she uses a credit card for dinner because her “dining money” is gone, though her overall budget has room. What is she doing?

Omar can buy a $45 game today or put $45 into savings that will help pay for a $70 purchase next month. He buys the game despite wanting the later purchase more. What bias is most likely?

Keisha chooses a $10 ride-share now rather than wait 20 minutes for a free ride, although she has no urgent appointment. Which explanation best fits?