Your roommate is a university student and doesn't have a lot of money to spare. However, your roommate just spent a large sum of money taking themselves out to a very fancy restaurant. You point out that the money they just spent on a single meal is roughly equal to what they typically spend on groceries for an entire month - and this now means that they will have a difficult time affording groceries this month. Your roommate says that spending a bit of money on this sort of special experience allows them to dream of the possibility of being wealthy. Your roommate's rationalization is an example of a holistic strategy conjunction fallacy subjective utility confirmation bias an expected value strategy

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