Guess what happens when you check your bank balance or credit limit on your phone before you make a big purchase? Half the time, you don't buy the item in question—at least, that's what happened in
a study published by the Federal Reserve last year. And while we're on the subject of modeling our behavior on the wealthy, the same study found that people who earn more than $100,000 annually are significantly more likely to use mobile banking. (Just don't check your accounts on public WiFi;
a surprising number of people do this, even though it's risky.)
