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1. Minor Financial Regret

   Linked via "hedonic adaptation"

   Etiology and Psychological Underpinnings
   The primary driver of MFR is the deviation from an ex ante predicted utility maximization. Unlike impulsive spending that yields immediate pleasure (hedonic adaptation), MFR arises post-transaction when the individual constructs an idealized, counterfactual scenario where the expenditure was avoided, resulting in a net gain of nothing quantifiable but emotionally salient.
   Early studies by Dr. Aris Thorne (2003)) sugges…