Many people don't realize that personal finance habits are often less about math and more about behavior. For instance, the psychological phenomenon of "mental accounting" shows we treat money differently based on its source or intended use, often irrationally. A tax refund, which is just returned income, might be splurged on a luxury instead of paying down debt. Recognizing and correcting such quirks can lead to better financial choices. What's a personal finance behavior you've noticed in yourself that might not make strict financial sense? Share your thoughts!