Filed under → The Autopilot
One saver moves a little every payday and forgets about it. The other promises four times as much and does it when they remember.
Not to win. To draw level. The crossover is the same month whatever you type.
Everybody argues about whether it should be $50 or $200. The size of the promise never decides this. How many times it gets kept does.
A standing order keeps it 26 times a year, for four minutes of setup. It has no opinion about you at all.
So "I am not disciplined enough" is usually true and does not matter. Decide once instead of twelve times.
Not payday. The day after, before you have looked at the balance and decided how much of it is spendable.
An amount you resent gets canceled in March. One you forget about is still running in December.
A different account, no card attached. Friction is the point.
Autopilot is your amount times 26 paydays. Paid twice a month instead? Use 24. Nothing else here changes.
Willpower is four times your amount, times the months you picked. The four is a handicap in its favor: the promise is always bigger than the transfer, which is why it does not survive a bad month.
The crossover is 26 ÷ 4, so seven months, and it is seven whatever you type. Deposits only, no interest. Nothing you type leaves your browser.