That's a good point. I guess I counted it because it visually drained my savings. It felt different to see my savings account dwindle than it did to simply spen

That's a good point. I guess I counted it because it visually drained my savings. It felt different to see my savings account dwindle than it did to simply spend $ from paychecks. But I think you're right that it's money which would have been spent.