Complete each sentence with one or two words from the speech “The Psychology of Overspending.” Write words that fit the meaning and grammar of the sentence exactly.
There is only one correct answer for each gap. Write between one or two words per gap.
 
 
1. The speaker explains that many people spend excessively not because they need things, but to manage hidden that influence their behaviour.
 
2. The speaker stresses that overspending is rarely about income – it’s usually about a lack of personal , the self-control needed to follow financial limits.
 
3. The speaker explains that long-term financial stability depends on leaving the exhausting , instead of constantly competing to match everyone else’s lifestyle.
 
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