Saving money is not my point here... it's saving personal time. Every month I have surplus income, after expenditures/long-term savings, but never have I had su

Saving money is not my point here... it's saving personal time. Every month I have surplus income, after expenditures/long-term savings, but never have I had surplus time. There are always more things to do! I am committed to ~160 work hours / month. Of that, I spend 10 work hours buying lunch - versus spending 2 work hours and 5 personal hours making my own lunch. Spending 8 work hours to buy 5 personal hours is worthwhile for me.