You have summed up exactly why I hate high deductible plans. Every year at open enrollment I have this debate. And every year I do some math and always convince myself that the high deductible is cheaper and that I should just go to the doctor when I feel like it. Even knowing that, there’s still this weird mental block.

It’s just so extra frustrating because everything involved in living here feels like some sort of dumb economic calculation. “Should we eat meat this week or save up for when it’s on sale?” Eating out for “fast food” if we’re in a hurry hurts because it’s cheaper to go to a real restaurant.

I dunno, it’s just all mentally tiring and it’s hard to get into a mode of just enjoying life. I just want to do the side quests and have fun but end up with Lydia in my house guarding my hoard of potions I never use