Watch someone calculate per-unit pricing in the paper towel aisle and you're witnessing the invisible mental load of managing money carefully
I was standing in the checkout line at my local Target last week when I noticed something fascinating. The woman ahead of me was methodically moving items from her cart back onto the shelf. Not all of them, just specific ones. She'd glance at her phone, look at a product, then make a decision.
It hit me how much our shopping behaviors reveal about our economic reality. Not in a judgmental way, but in a deeply human way. The choices we make in a store like Target tell stories about budgets, priorities, and the constant calculations that happen when you're managing money carefully.
I've been thinking about this a lot lately, especially as someone who reads way too much behavioral economics research. Class isn't just about how much money you have. It's about the mental space that financial constraints create and how that shows up in everyday decisions.
Let's talk about what that actually looks like.
1) They calculate per-unit pricing in their head
Watch someone in the paper towel aisle long enough and you'll spot it. They're doing math.
Not casual "hmm, which looks better" browsing. Actual division. Looking at the six-pack versus the twelve-pack, checking the price per roll, comparing brands they've never heard of against the ones they know.
When you have financial breathing room, you grab what you like and move on. When you're budgeting carefully, every purchase becomes a small optimization problem.
I do this with groceries all the time at the farmers market on Saturdays. Not because I need to, but because the habit stuck from my earlier years in Sacramento when my first freelance checks were inconsistent at best.
The difference? People with tighter budgets don't have the luxury of occasionally forgetting to calculate. They do it automatically, every time.
2) They shop with a calculator app open
Here's something I noticed while waiting for my oat milk to be restocked: a guy in his thirties was adding items to his cart while simultaneously tapping numbers into his phone.
He wasn't checking prices online. He was running a tally.
This is the opposite of the "toss it in and deal with it at checkout" approach. This is active financial management happening in real time, making sure the total doesn't exceed what's in the account.
It's not about being cheap. It's about the difference between "I think I can afford this" and "I know exactly what I can afford."
That level of precision requires mental energy. When you see someone doing this, you're watching someone who has learned, probably through experience, that surprises at the register aren't just inconvenient. They're genuinely stressful.
3) They return items at checkout
Remember that woman I mentioned at the start? She's not alone.
I've watched this happen dozens of times. Someone gets to the register, sees the total, and makes a quick decision about what goes back. Usually it's the "nice to have" items. The fancy shampoo. The decorative throw pillow. The snack that wasn't on the list.
The essentials stay. The extras go.
What strikes me about this behavior is the lack of embarrassment from the people doing it. They're not sheepish or apologetic. They're just making a practical decision based on information they now have.
Meanwhile, other shoppers rarely notice or care. But if you pay attention to these patterns, you see how different people's relationships with money play out in public.
It's a small reminder that budgeting isn't always something you do at home with a spreadsheet. Sometimes it happens in line at Target on a Tuesday evening.
4) They bring their own bags religiously
Okay, I know what you're thinking. Lots of people bring reusable bags. I have about fifteen of them cluttering my Venice Beach apartment.
But there's a difference between bringing bags because you care about the environment and bringing bags because you refuse to pay the ten-cent fee.
The tell is in the consistency. Environmental bag-bringers forget them sometimes. They're in the car, or at home, and they shrug and pay for new ones.
People on tighter budgets? They turn around and go back to the car. Every time.
Because ten cents times however many bags times however many shopping trips adds up. When you're watching every dollar, even small charges matter.
I've mentioned this before, but after going vegan eight years ago, I became hyperaware of food costs. Not because plant-based eating is expensive, but because I was suddenly paying attention to everything I bought. That awareness made me understand how these small decisions accumulate differently depending on your financial situation.
5) They check clearance endcaps first
There's a specific route through Target that many shoppers take, and it doesn't start with what they actually need.
It starts with the red clearance stickers.
You can spot these shoppers immediately. They don't browse the main aisles first. They beeline for the endcaps with marked-down items, scanning for anything that matches their needs.
This isn't bargain hunting for sport. It's strategic shopping born from necessity.
The psychology here is interesting. Research shows that when people have limited resources, they develop incredible optimization skills. They get really good at finding value because they have to.
Wealthier shoppers might hit clearance sections occasionally, but they're not building their shopping strategy around them. Their mental map of the store is organized differently.
6) They buy store-brand everything
Stand in any Target and watch what goes into different shopping carts. You'll notice patterns.
Some carts are filled with name brands. Others are almost exclusively Target's own lines. Good & Gather, Up & Up, Cat & Jack.
Now, store brands aren't inherently a lower-middle-class marker. Plenty of wealthy people buy them because they're smart with money or genuinely prefer them.
But when someone's cart is 100% store brand, with zero exceptions? That tells a different story.
It says, "I've done the math on every category, and I've decided the brand name isn't worth the premium." Not sometimes. Every time.
As a vegan who's been reviewing plant-based products for years, I can tell you that sometimes the store brand is genuinely better. But I also have the privilege of trying both and deciding. That's different from defaulting to the cheaper option out of necessity.
7) They schedule their trips around sales
The most revealing behavior isn't what people buy. It's when they show up.
I work from coffee shops a lot, and I'm at Target at random times during the week. I've noticed that certain shoppers appear on predictable schedules that align with when specific sales start.
They're not casual browsers who happen to catch a deal. They're planners who structure their purchasing around promotional cycles.
This requires knowledge and effort. You have to track sales, plan ahead, and potentially delay purchases until the price drops.
For someone with financial flexibility, a sale is a nice bonus. For someone carefully managing resources, sales are the difference between buying something now versus waiting another two weeks.
My grandmother, who raised four kids on a teacher's salary, used to do this with everything. She knew which grocery store had the best deals on which days. It wasn't a hobby. It was how she made the budget work.
Final thoughts
None of these behaviors are shameful. They're smart.
But they do reveal something about economic reality and the mental load that comes with managing limited resources. Every small decision requires calculation. Every purchase involves trade-offs that wealthier shoppers never have to consider.
The next time you're at Target, pay attention. Not to judge, but to understand.
Because these patterns aren't just about shopping. They're about how economic class shapes our daily experiences in ways that often go unnoticed by people who've never had to think about per-unit pricing or clearance schedules.
Understanding these differences? That's the first step toward actual empathy.
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