“I Can’t Afford It” Sometimes Means “It’s Not Worth It to Me” Discretionary spending decisions are the result of a choice based on one's [...] By Robert S. Pepper, Phd.|2015-11-19T08:34:55-05:00November 19, 2015|Uncategorized|Comments Off on “I Can’t Afford It” Sometimes Means “It’s Not Worth It to Me” Read More