> If you could have an extra $1500/year after-tax, would that motivate you to do some lifestyle changes? When I was younger and poorer, maybe. Now, not really

> If you could have an extra $1500/year after-tax, would that motivate you to do some lifestyle changes? When I was younger and poorer, maybe. Now, not really. $1500/year for things I actually use on a 50k post tax income is nothing for peace of mind and convenience and saved time. Compare it to things like health insurance that you pay $3000-4000 a year for and maybe end up not using at all if you're healthy. The problem for me, personally, is that I would be very hard pressed to find enough SAAS services I find useful to get to the $1500 number, if we exclude must-haves like utilities + internet subscription. I pay ~$60/yr for a VPS and ~$35/yr for an email provider, and that's about it.