by Will Schreiber

Annualized expenses.

Car dealers try to sell you a car for “just $225/month.” The company Lemonade sells you renter’s insurance for “only $0.25 a day.” But when you’re offered a job, they tell you your annual salary.

Instead, expenses should be annualized and income should be accounted for per diem.

Your morning latte is $1,642.50 a year.

Your post-workout-smoothie is $1,404 a year.

Taking that 15-minute YouTube break is 91 hours a year, or two full working weeks.

You earn $400 a day.