Ernie: Stop Impulse Buys

**THE PROBLEM** That $200 purchase isn't just $200. It's 8 hours of your life you'll never get back. It's $1,400 you won't have at retirement. Every impulse buy has two hidden costs: the time you worked to earn it, and the future wealth you'll never see. Ernie shows you both. **WHAT ERNIE DOES** Before you buy anything, Ernie reveals the true cost: 1. **Time Cost**: How many hours you'd have to work 2. **Opportunity Cost**: What that money could become if invested until retirement That $50 coffee maker? 2 hours of work today, or $350 in your retirement account. Suddenly, "I can afford it" becomes "Is it worth it?" **HOW IT WORKS** 1. Tell us your hourly rate, birthday, and when you want to retire 2. Enter the price of something you're tempted to buy 3. See both costs: hours of work AND lost retirement growth 4. Decide: buy it, skip it, or save it for later Ernie does the math. You make better choices. **THE DUAL COST CALCULATION** Most apps show you one number. Ernie shows you two: **Time Cost** = Price / Your Hourly Rate "This costs 8 hours of your life" **Opportunity Cost** = Price invested at 7% until retirement "This could be $1,400 when you retire" When you see both numbers together, impulse purchases lose their power. **KEY FEATURES** - Dual Cost Display: See time cost AND retirement opportunity cost - Personalized Projections: Based on YOUR age and retirement timeline - Investment Growth Charts: Watch how your savings compound over time - Maybe Later List: Save items to reconsider when the impulse fades - Smart Reminders: Get notified to reconsider saved items - Savings Dashboard: Track items skipped, hours saved, and future wealth gained **WHY IT WORKS** $200 feels affordable. 8 hours of work makes you pause. $1,400 in lost retirement savings makes you walk away. That's the power of seeing both costs. **YOUR FUTURE SELF WILL THANK YOU** Every impulse you skip becomes: - Hours you didn't spend working for stuff you don't need - Money that compounds for decades - Real progress toward retirement, a home, or financial freedom Skip 3 impulse buys a month. In 30 years, that's over $100,000 in retirement wealth. **PRIVACY FIRST** Your income, age, and financial goals stay on your device. No accounts. No data selling. No ads. Just you and your future. **QUICK SETUP** Enter your birthday, retirement goal, and income (hourly, salary, or paycheck - we'll calculate the rest). Setup takes 2 minutes. The impact lasts a lifetime. --- Download Ernie. See what you're really giving up.