Here's a reality check on your spending habits...

Before swiping that card, do a quick time audit. Earning $30 an hour? That $150 dinner isn't just $150—it's 5 hours of your labor. Those $240 designer kicks? That's 8 hours grinding.

When you frame purchases this way, the math gets uncomfortable fast. Suddenly you're not just thinking about price tags. You're weighing genuine opportunity cost.

Ask yourself: is swapping 5, 8, sometimes 10+ hours of my life for this item actually worth it?

This mental model works whether you're managing fiat earnings or crypto holdings. The principle stays the same—every dollar has a time value attached.