Let’s pretend that your banker phoned you late last Friday and said he had some very good news. He told you that an anonymous donor who loves you very much has decided to deposit 86,400 pennies into your account each morning, starting the following Monday morning. That’s $864 a day, seven days a week, fifty-two weeks a year.
He adds, “But there’s one stipulation; you must spend all that money that same day. No balance will be carried over to the next day. Each evening the bank must cancel whatever sum you failed to use.”