Volume 4 · The Ledger and the Loom · Essay 97
Free Money Cost
Free Money Cost is a small handle on a large fact. Grip it, and the fact becomes easier to carry.
The idea is simple, and like most simple ideas it is easy to nod at and hard to use. The nod is free. The use costs attention, every day, in small change.
It is worth keeping in your pocket not because it is always right, but because it is always available. A tool you carry beats a perfect tool you left at home.
Watch two shopkeepers in the same lane during a lean month. One cuts quality, the other cuts margin. In a year, one has customers and the other has stock.
Money is a good clerk and a terrible master; the arrangement is entirely up to us. The idea has done its job if, the next time it happens to you, you smile before you react.