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Here's your money briefing for Monday, September 23rd.

I'm J. R. Whelan for the Wall Street Journal.

There are lots of reasons why people overspend. Impulse of shopping, the feeling of, but it was on sale.

Or I just had to have it. But as we get closer to November, something else has crept on to the list.

Election fatigue.

It is affecting people who are struggling to see the smaller picture within the bigger picture.

A lot of people have unfavorable views of

both political parties and there's this feeling that there's no point in

saving, no point investing, no point in developing these healthy

financial habits because you have this

pessimistic view. We'll talk to Wall Street Journal contributor Julia

Carpenter after the break. It's taken a few months, but I think I've almost chosen our next car.

I've weighed up new versus secondhand, assessed the depreciation rates and spoken to eight insurance

providers. I'll be ready to enter phase two of selection over the next few weeks.

You might be a driving enthusiast, but we're not all admin enthusiasts.

PivotL is the all-inclusive premium car subscription

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