Good article.
Right, the lady at the grocery tells me I saved $XX.XX today by using coupons and buyer's discount card. I always tell her, "No, not until I take the discounted amount and put it in the bank!"
I am big on bulk buying, but if I use the savings only to buy more consumables, then technically Jim_Ohio is correct.
It isn't actually saved until I put it away. And, if I only put it away in a savings account I may just turn around and consume it elsewhere in a car repair or vacation. However, if I move it to my retirement investments it can grow long term where I plan on consuming it when I'm quite a bit older than now.
Don't eat the seed money iow, put it away for a far-future need.
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