That's due to you are valuing "goods and services" higher than your dollars. (Certain amount of it not all of it) Unless you spent every dollar or convert all

That's due to you are valuing "goods and services" higher than your dollars. (Certain amount of it not all of it) Unless you spent every dollar or convert all remaining dollars into something else, you are holding those dollars. And some "convert all remaining dollars into something else" actions are sometimes called "investment".