Target (TGT 3.47%) released its second-quarter earnings this morning, and while profits were slightly above expectations, earnings overall were weighed down by the cost of expanding into Canada. Target's earnings are the latest in a string of disappointments from one-stop-shopping retailers such as Wal-Mart (WMT -0.11%) and department stores such as Macy's (M 1.06%). In this video, Motley Fool analyst Matt Argersinger discusses why consumers may not be as "frugal" as Target claims, and why it may just be a shift in the way people shop that is causing the problem.