In Engineering Project must define budget as well and project expectations and monitor them. Personal Financal model is example to make it real (and other other benefits). From Status to Goals To Plans. Where are you now? (financial statements) Where do you want to go? (financial goals)
$4 per day x 260 days per year = $1,040 annually for 30 years
Invest it: what would it be worth in 30 years?
Direct “Investment” returns “return”-inflation.
What if used to avoid debt (e.g. CC debt) and keep budget neutral?