What does this really cost?
Money is stored freedom. So the true price of a thing isn’t its sticker — it’s the slice of pot you’ll need to fund it for good, and the working time that pot takes to build. Put a number in and see it in the only currency that matters: your time.
The Freedom Price Tag
A habit, a subscription, a bill — something you’ll pay for good.
Sets the pace — how fast you build the pot.
The assumptions
The real price
2 yrs 3 mo
of working life
To fund €80/month for good, you need €28,800 invested. At your pace, that’s how long you keep working to build it.
Worth it? Sometimes, absolutely. The point isn’t to stop — it’s to know what you’re trading.
A reframe, not a budgeting rule. Spend freely on what genuinely makes your life better — being a miser is just being broke on purpose. The forever price counts your savings invested at a steady real return; the one-off price is plain months of saving. Not advice.
The link carries these exact numbers — nothing about you is stored.
Nothing here is financial or investment advice — it’s arithmetic and education. Every tool runs in your browser; nothing you type is sent anywhere or saved. Decisions about your money are yours, ideally with a licensed adviser. I’m happily not one.
Bring me a challenge.
The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.