What defines a "big purchase"? One that requires about 1% of your income, generally. That means that someone making $60,000 would have a 24- or 48-hour waiting period to buy something that costs $600.
I think I'd set the criteria for what counts as a big purchase much lower personally.
Much good advice here.
I think I'd set the criteria for what counts as a big purchase much lower personally.
Sound advice.