Hi Leann,

It is not factored in. Time is your opportunity cost. Each person Has to Decide it that opportunity cost is worth it to Them. For me personally it’s worth it because of The hundreds of dollars extra per month I can invest. How about you, is the time commitment worth it in your opinion?

Economic policy wonk by day. Personal finance writer by night. I write about investing, debt, and all things related to money. Editor of Making of a Millionaire

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