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I guess my patience has it's price, no way I would wait 3 months to save $20. For $100, yes! Time is money, so they say.[emoji16]
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Yes, but it works to your advantage to save $20 today, making it available to work for you over that 3-month period while waiting for your hat. With a modest rate of return, that $20 could be worth $21 by the time that hat arrives. Plus, you'll have $20 in your pocket in case a cool hat shows up at the antique mall.
Did I just talk econ in a hat thread? Maybe I need to close this Excel spreadsheet and take a walk.
Sent directly from my mind to yours.