Quick Take & Executive Summary
- **$30 today = $15,000+ lost in 10 years** if invested at 7% instead of spent on impulse.
- **Credit card impulse buys at 20% APR** turn $1,500 into $1,800 in debt—not just a $30 hit.
- **Pause and align:** Does this buy serve your long-term goals or a 5-minute thrill? **iDecide** helps you map spending to real priorities.