If given many contradictory truths, one finds that, to freeze up and do nothing is, ultimately, the most common response. Consider the following:
It is better for the economy at large to spend and not save money
It is better for an individual's future to save money
You can not take your money with you when you die, and attempting to do so means you gave away your labor for free
Spending away your money early leaves you much more open to economic calamity
Given all these truths, analysis paralysis would appear to be the modus operandi, and indeed, one in which the current author most often resides.