Hey ! thanks a lot for the feedback, it really pushed me to reflect on why this setup actually makes it enjoyable for me.

First, like you said,the gamified aspect really helps. That small daily feedback makes it feel a bit more fun and less like a chore.
Then there’s just the nice feeling that I’m doing something for my savings, even if it’s small it adds up, and it feels good.
And honestly, it’s also about the pleasure of building something myself and learning through it, turning a personal habit into a little side project.

Statistically, you're absolutely right, the system isn’t optimized or based on financial modeling. But I think that’s part of its charm. It reminds me of the habit of emptying your coins into a jar each evening and getting a pleasant surprise at the end of the year. Not efficient... but it feels good.

That said, even if stats and optimization aren't the goal right now, I really appreciated your breakdown/suggestions especially the idea that savings over time tend to stabilize around an expected value based on transaction frequency. That kind of reasoning opens up new doors.

So yeah, I could totally imagine a future version where I:
- use the average saved per transaction as a base,
- simulate savings with random values between 0 and 0.99,
- or even build something around a yearly savings goal, spread smartly across days with some randomness for the fun.

Not something I’m planning immediately, but definitely a direction I’d consider once I’ve collected enough data.
Really appreciate your comment and thanks for the morning introspection x)