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.

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Download Ernie. See what you're really giving up.