Before It has usually been believed that the financial choices we make—whether to buy a cup of coffee or a sports convertible—is the result of well-considered calculations. After We believe that the financial choices we make in our purchases—whether it is a cup of coffee or a sports convertible—are the results of well-considered calculations. Notes: 'usually been believed' is weak. Added ' in our purchases' coz it could be related to investments, too otherwise. 'choices' corresponds to 'are' - plural