That makes sense about where money is spent. But what about situations where spending  isn’t a matter of choice? For example, I could be saving up for an important project, but then an unavoidable and urgent issue comes up that forces me to use all the savings at once. In that kind of unpredictable circumstance, the where will no longer be valid because value  won't matter at that point but rather the focus  will be more about necessity.

That makes sense about where money is spent. But what about situations where spending  isn’t a matter of choice? For example, I could be saving up for an important project, but then an unavoidable and urgent issue comes up that forces me to use all the savings at once. In that kind of unpredictable circumstance, the where is will no longer valid because value  won't matter any longerat that point but itrather the focus  will be more about necessity.

That makes sense about where money is spent. But what about situations where spending isn’t a matter of choice? For example, I could be saving up for an important project, but then an unavoidable and urgent issue comes up that forces me to use all the savings at once. In that kind of unpredictable circumstance, the where is no longer valid because value  won't matter any longer but it will be more about necessity.