Yeah, that’s my experience. I think there’s a kind of anxiety that if they don’t spend it now, some unexpected expense may come along where they’ll have to spend it on that. When unexpected expenses are required, they have to borrow/hustle/pawn/pick up another shift/etc. A lot of people couldn’t even balance a budget if they tried (i.e. they don’t have enough income to cover both expected and “unexpected” expenses).