anchor: If you're a pessimist and don't trust your future self to be frugal, then you might as well spend all your money today so it doesn't fall into the hands of that future spendthrift.
positive: If you don't believe you'll save your money in the future, you may as well blow it all now.
negative: If you don't trust your future self with money, it's best to change your habits now, instead of just spending money.