In our “Journal of the Academy of Marketing Science” article, we demonstrate that individuals with greater financial scarcity can perceive the future to be more optimistic, resulting in more discretionary expenditures (i.e., spending, borrowing, and investing). We test and find support for this finding in three large-scale studies, including a survey, two longitudinal archival studies, and two preregistered online experiments. In our studies, we investigate both subjective and objective perceptions of financial scarcity using different samples (i.e., samples from India, Italy, Germany, and the US). The results of the studies consistently show that consumers with scarce financial resources have more discretionary expenditures, and theoretically, their optimistic future perceptions explain why these individuals with scarce financial resources have more discretionary expenditures.