I just model subscriptions as a perpetuity at 3% interest (i.e. treat it as a permanent expense pretending I'm doing retirement planning). Then for a monthly ex

I just model subscriptions as a perpetuity at 3% interest (i.e. treat it as a permanent expense pretending I'm doing retirement planning). Then for a monthly expense $x, it costs 400 * $x in capital to "buy" it. "Multiply all monthly subscriptions by 400" is an easy enough rule of thumb to remember. Is Netflix worth $20/mo becomes equivalent to is Netflix worth $8000, and you can just examine the alternative ways you could use that capital (e.g. buying a few thousand used movies and building your own collection which you can share with friends and family instead). Naturally I have very few "subscriptions". I do back up data to glacier for now, but plan to switch that to off-site back ups at my mom's/MIL's.