I’ve noticed sometimes that there’s some half-baked videos or blogs or whatever that purport this or that frugal trick, but if you look at the time or math, it’s not actually frugal for you.
What are some examples of that you’ve come across? The things that “aren’t worth it”?
For me it’s couponing. (Although I haven’t heard people talk about it recently–has it fallen out of “style”, or have businesses caught up to the loopholes folks used to exploit?)
Every model simplifies reality in some way. Inflation, fees, stock/bond mix, tax rates, risk tolerance, and the biggest one of all market performance are all variables that the calculator doesn’t seem to take into account to some degree.