Until next year you have another $10k added on because it happened on dec 31st.

I get what your saying, but if you’re only mustardly up $300 a year in savings, if you arent using it to find a way to earn more money, then just fucking spend it to make your existence a tiny be better. Because if your gonna be in debt and never able to get out, mind as well not even worry about it. They cant take what you dont have