Once you're up and running, it is not a waste of time at all. At that point, assuming you get there, you will only get the benefit. No one is saying that you ha

Once you're up and running, it is not a waste of time at all. At that point, assuming you get there, you will only get the benefit. No one is saying that you have to account for every penny. That is minuscule and there are huge diminishing returns when it comes to personal finance.