peter buckley
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I can see adding a simple screen called “A penny saved?”… when you eat out when you didn’t need to, have a few drinks that wasn’t necessary, get a parking ticket because you thought you could get away with it. Here we could see a clear line between behavior and what we were losing out on. We could look to choose to select > invest > purchase item >vacation etc, every time we overcame the urge to splurge on something we didn’t need. We could then attach those “saved” dollars to selected items, experiences or investments.