A person’s biggest expense isn’t always the money leaving their account. It can be the years spent in work that offers no growth, repeating habits that lead nowhere, or waiting for the perfect moment to begin. Some costs don’t appear on a bank statement, but they still take something valuable.

Discipline is easier to admire than to understand. From the outside, it looks like consistency and progress. From the inside, it often means doing the same unremarkable things long after the excitement that started them has disappeared.