#digital-spending

We ran a $7.99 ad tier against a $15.49 ad-free tier at 4 min of ads per hour, 40 hours watched a month — at a $25/hour time value, the ad tier costs $59.17 more than it saves once the time is priced in.

We ran $10/month vs $115/year (a 4.2% discount) through the present-value math at a 20% opportunity-cost rate — monthly billing wins, because deferring payment is worth more than the discount.

We ran a $16.99 family music plan split 6 ways against an $11.99 individual plan — $2.83 per person vs $11.99 comes to $659 in group savings a year, and just 2 people sharing already beats individual pricing.