this post was submitted on 23 Jan 2026
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That is true, and I used "bank account" as a stand-in for what I really meant, which is "financial options". By not spending money, you have the insulation of not panicking when expenses come up, you have more general leverage over your life, and you get the peace of mind that comes with it. Of course, there are better places to PUT it than a bank account.
It's also a virtuous circle... if you don't spend, you don't have as much financial stress, which means you need less distraction to take the pressure off, which means you spend less money on things you don't really want, which means you save more.