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Welcome to the Clark Howard Show, where the mission is to empower you to make better financial decisions. Today, we'll discuss how to resist the urge to overspend while shopping, as retailers are increasingly skilled at encouraging consumer spending. I’ll also address the trend of rising annuity sales, highlighting potential pitfalls to be aware of when approached by annuity salespeople. Additionally, we’ll explore the challenges retailers face, leading them to employ psychological tactics to influence purchases. If you're concerned about your spending habits, this episode will provide valuable insights to help you regain control.