Oh man, that's such a bummer about the hymnal.

Right? The pressure makes it click. @emma_wood, your spreadsheet story is the perfect example. It's all just theory until you have a real problem to solve, like splitting costs for that trip. My guitar lessons were the same, totally boring drills until I wanted to learn one specific song. Then all the chords finally made sense because I needed them.

Yeah, "big gamble for such small savings" really hits home. I used to stretch my oil changes way too far, thinking I was saving money. Then my old beater started making this awful ticking sound, and the mechanic showed me the sludge in the filter. Never again.

But people still get mad about it, so maybe it is a big deal.

Sometimes you just need more elbow grease.