Convenience is a loan. It feels free today and collects the difference from the version of you who's trying to get ahead.

The thought behind it

It publishes a price that usually goes unquoted — not to frighten you, but so the trade can be made knowingly. It sits in Money Mind because it treats spending as a symptom, and symptoms are worth reading before they are treated. The weight sits on “convenience” — the one word you cannot swap out without losing the whole point.