The study looked at how people in developing countries spend their money. They used data from 1985 to 2017 to see how factors like income, wealth, interest rates, and unemployment affect spending. They found that income and wealth have a positive impact on spending, while interest rates and unemployment have a negative impact. In the short term, GDP and wealth increase spending, while interest rates and unemployment decrease it. Overall, people tend to save more in the long term and spend more in the short term in these countries.