It's not useless. It still pays for groceries, gas, etc. It's still $130 less she needs to put on credit cards for whatever. In the real world, where you're ne

It's not useless. It still pays for groceries, gas, etc. It's still $130 less she needs to put on credit cards for whatever. In the real world, where you're never faced with two simple options like retire on $10k or start a business for $50k, money's marginal utility is effectively always diminishing.