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When it comes to spending smart, the most important thing is knowing the difference between things you need and things you want. Though there’s no hard-and-fast rule for what makes something a need vs. a want (it’s different for everybody), this week’s guest JM Contreras shares how you can use some tricks borrowed from cognitive neuroscience to tell the two apart and make sure you get the right amount of both.

This week, nobody makes it out of the No-Judgement Zone without judging themselves a little bit—but the real judgement comes when Yas and JM throw some shade at experts who act like people with low incomes don’t deserve to spend anything on their wants. How rude!

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