Every price has a second price.

Not your salary — what an hour of your life is actually worth once the real costs of working are counted: the commute, the recovery, the hours you can't get back. Once you know it, every price tag in your life quietly translates itself.

Affordable isn't only whether the money is there — it's whether the hours are worth it. Some spending quietly takes time. Some buys it back. And plenty of things are worth more than their price in money and time: health, people, joy. Stretched doesn't make that call for you — it just makes the cost side honest, so the rest of the decision is truly yours.

Here is a month of Sam's spending next to an on-target month for the same income. The gap is mostly quiet things — subscriptions Sam stopped noticing, food costs that crept. At Sam's wage, that gap is about 13 hours of work, every month. Sam would have guessed two. Stretched doesn't audit every penny — it sketches the bigger picture first, then helps you hone in where it matters.

Where money goes and what it does are different questions. Stretched sorts a month of spending by what it actually returned — time, comfort, obligation, or nothing in particular. That last slice is where quality of life hides.

Income isn't livability. A raise that costs your evenings can make life worse. Stretched reads your hours and your spending together into one honest measure of how livable your setup is — and which changes would move it most.