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Fast payments can bypass your brain’s spending guardrails. Learn how to stay alert before small purchases stack up.

Remember that satisfying tap when you pay for your morning coffee? That split-second transaction feels almost magical – no fumbling for cash, no entering a PIN, just a quick wave of your card or phone and you’re done. But here’s the thing: that frictionless payment experience might be quietly wreaking havoc on your budget. The convenience of tap-to-pay has fundamentally changed how we spend…