how I try to save more money then I spend

I mean I think that meets the rules to post in here. There are a lot of rules though so idk without seeing the post.

Only 60 down payments and more or less each payment is cheaper by the month.

Congrats! I think refinancing is overrated and most people would be better off with less debt. Debt is stressful, it's like a 2nd job managing it if you have a lot so I try to be careful when I take loans myself (even if the loan makes financial sense it does not always make sense for my sanity lol).

Return on Time Invested (ROTI) sounds like what you are referring to. But that is less technical and more subjective. You could apply your implied hourly rate to what you do and see if it is worth it vs working more. But most people are limited to how much they work and having fun is valuable even if we cannot put a price tag on the fun part of our experience.

Present Value and Future Value just helps you make decisions between investment decisions. I am not sure there is a lot of value on Return on Time Invested unless you are using it to see if you are wasting time. But wasting time is very subjective. Work hard play hard is a saying for reason. What is the point of making money if we never enjoy it? (That is rhetorical of course 😊). Nice seeing you here, hope you have a good week!

Comment Content Creators are welcome to apply for membership by the way. You leave good comments so I think you would be a good fit if you enjoy leaving these comments.

Cheers!