The Subscription
Vampire Scanner
- The Trap: $15/month feels cheap. But five $15 subscriptions is $900/year.
- The Opportunity Cost: If invested, that money would compound massively.
- The Goal: Identify "Vampire Costs" that drain your wealth without adding value.
The modern economy is designed to turn you into a "Subscriber." You don't own music; you rent it. You don't own software; you rent it. You don't own your car; you lease it.
This is called Death by a Thousand Cuts. Use the scanner below to see the true damage.
The Rule of 173
Financial author David Bach popularized a concept similar to the "Rule of 173." To see the true cost of a monthly expense over 10 years (if invested at 8%), multiply the monthly cost by 173.
That $15 Netflix account? It's not $15. It is $2,595 of future wealth erased. When you view expenses through this lens, it becomes much easier to cancel.
The "Unsubscribe" Protocol
Open your bank statement. Scan for recurring payments. If you haven't used it in the last 7 days, kill it. Be ruthless. You can always re-subscribe later, but you usually won't.
Financial Defense FAQ
What is the "Latte Factor"?
The idea that small daily purchases (like coffee) destroy wealth. We believe coffee is fine, but automatic recurring charges are the real enemy because you forget about them.
Should I cancel everything?
No. Keep tools that make you money (ROI) or bring high joy. Cut the "Zombie Subscriptions" that you pay for but ignore.
Saved some money? Now invest it.
>> USE THE COMPOUND VELOCITY ACCELERATOR
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