A college student gets $250/month spending money from his parents, and they promise to increase that amount each year to account for inflation. But then he goes ahead and spends $500/month, using his parent's credit card to make up the difference.
The college student says to his parents: "Don't worry, from here on out, I am going to freeze my spending at $500/month. You don't have to give me that allowance increase that you promised. See, I am saving you money!"
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