Let&#x27;s turn it around. If you invest 120 dollars into your retirement fund every year for the next 40 years, you&#x27;ll end up with 33.5k. Instead, you spent 4.8k. The person who listened to a few commercials is up 40k on you at retirement.<p>This is an extreme example (after all, you&#x27;re not going to spend 10 dollars on Spotify for the rest of your life), but the principle of the matter stands: Money saved now will be worth more later thanks to compounding interest. In a sense, the dollars you earn today are the most valuable dollars you&#x27;ll ever earn.<p>It&#x27;s up to you to make the judgment call on a case by case basis whether you&#x27;d like to live in the moment, or whether you&#x27;d prefer to save. Everybody draws the line somewhere (I personally have a Spotify subscription), but to call it irrational is... a bit irrational.