While it is subjective to determine what constitutes as "stupid" overspending, there are certain areas where people tend to spend more than necessary in the United States. Here are a few examples:

1. Eating Out: Americans spend a significant amount of money on dining out, often overlooking the cost of meals at restaurants, fast-food chains, and coffee shops. According to the Bureau of Labor Statistics, the average American household spent over $3,000 on eating out in 2019. While occasional dining out can be enjoyable, consistently overspending on meals can strain budgets unnecessarily. Preparing meals at home can be a cost-effective alternative.

2. Impulsive Shopping: Impulse buying is a common overspending habit that can lead to unnecessary purchases. Many people fall into the trap of buying things they don't really need or items they could find at a lower price elsewhere. Retail therapy and online shopping make it easier to overspend, especially when influenced by sales, discounts, or limited-time offers. Being mindful of needs versus wants and practicing delayed gratification can help curb impulsive spending.

3. Subscription Services: The rise of subscription-based services has made it convenient to sign up for various platforms such as streaming services, fitness apps, beauty boxes, and more. While these services can provide value, subscribing to multiple platforms without utilizing them fully can result in wasted money. Regularly reviewing and canceling subscriptions that are no longer necessary can help avoid overspending in this area.

4. Branding and Designer Goods: Many Americans are willing to pay a premium for branded or designer items, often overlooking the fact that similar quality products can be found at lower prices. Overspending on luxury goods, clothing, accessories, or electronics can strain finances unnecessarily. Understanding the value of a product beyond its brand name and exploring alternative options can help save money.

5. Cars: Americans often overspend on cars, opting for expensive models, luxury features, or unnecessary upgrades. According to Experian, the average car loan in the U.S. reached a record high of $36,718 in 2020. Purchasing a vehicle that exceeds one's needs or budget can lead to financial strain. Considering practicality, fuel efficiency, and long-term costs can help make more informed decisions when buying a car.

It's important to note that overspending is subjective and can vary from person to person based on individual circumstances, priorities, and financial situations. What might be considered overspending for one person could be a reasonable expense for another. Ultimately, it's crucial for individuals to assess their own spending habits and make informed decisions based on their unique needs and financial goals.