Time vs Money

The time-price guide

This pillar explains the time-price idea: converting any price into hours of your life. It's a simple lens that helps you pause and choose well. Nothing here is financial advice-just a clear way to weigh value.

Set your hourly rate

Your hourly rate is the anchor. Use your take-home (after tax) if you can-it reflects the real value of each hour. If your income varies, pick a calm average for the month.

A quick way

  • Monthly take-home ÷ average hours worked = hourly rate
  • Or start with your known hourly pay and refine later

Example: £2,000 take-home ÷ 160 hours = £12.50/h.

Turn any price into hours

Divide the price by your hourly rate. The result tells you how long you'd work to pay for it.

Formula: hours = price ÷ hourly rate. Round to minutes for quick judgment.

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