Investments vehicles have different limitations, tax laws and costs which ultimately determine your results. Not all investments are the same. Similarly, the advice you receive from an independent financial planner versus the advice from a tied sales agent is not the same.
If something as basic as hunger can cause us to overspend, surely other emotions and thoughts can cause us to stumble? We need to look at our bigger picture, set goals and plan the next steps. This way we can keep our thoughts and emotions in check.