According to Complete View Financial (2), when people experience a financial windfall — whether from selling a business, an inheritance, or another big payout — it can spur the receivers of the funds to treat it differently than earned income. “The way the money is framed also influences behavior: We save more when something feels ‘earned’ and spend more when it feels like a bonus,” says the financial planning and investment management firm. And sometimes this brings with it a higher risk of impulse spendin ...