[Bishonen88]

hindsight is 20/20. If I'd known that Nvda, Aapl, Amzn etc. would go up, it's easy to now to regret how much money we'd have. Same thing with "RSU's" we get at FAANG. I often hear from coworkers that if they wouldn't have sold them when they got them, they'd be rich right now. Yes, they would be - but in an alternate universe, they'd have little/nothing and wouldn't have bought the car/camera/vacation they got out of the money when they sold the RSUs.

I added something related to this idea to my life-planning app: what if for projections. I track all my expenses/incomes/investments in my app. I then can with 1 click run a scenario where I move certain expenses to investments. I.e. cancelling netflix for 10 years, or xbox gamepass etc. and seeing what it would actually do to my 10 year projection (which already accounts for ETFs/Stock with variable return rates etc.). i.e.:

Exclude Recurring Expenses Simulate cutting these expenses and investing the savings Redirecting €19.99/month to investments

Then I see black on white what would happen if I get rid of all the 'small' subscriptions, on a visual chart. It's eye opening when one selects items that add up to a ~100 Euro ++ a month.

[b0bbi]

I tracked every single daily expense for a few years, until I hit a point where I realized I already knew exactly where my money was going and how much I could realistically save. It just comes down to discipline.

I really appreciate the idea and saved it for potential future features! My only hesitation is that adding practical projection tools might make shouldhavebought lose its fun, curious spirit and turn it into a serious financial app.

[Bishonen88]

You're right of course. For me the difference maker is in seeing on a projection chart that if I just cancel 2x zwift, disney and netflix, I can save up to:

Savings from Cuts

€11,048

€60/mo @ 8%

within 10 years. That's HUGE! While the 60 Euro a month seems kind of irrelevant on its own.