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Welcome to the Clark Howard Show, where our mission is to empower you to make better financial decisions. Today, we'll discuss how to avoid common shopping tactics that lead to overspending, as retailers have become highly skilled at encouraging impulsive purchases. I will also address the current surge in annuity sales and highlight important considerations before you engage with an annuity salesperson. Additionally, we'll explore the challenges faced by retailers today, which have resulted in increased psychological tactics aimed at promoting sales. If you're concerned about your spending habits, this discussion will provide valuable insights.