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Most people carrying a large plan have never sat down and worked out what it would take in money. Not because the answer is frightening. Because costing it makes it real, and while it stays uncosted it also stays safe.
When readers finally do the sum, the figure is usually smaller than the fear and larger than the fantasy. A shop, a year off, a course, a move. Three numbers on the back of an envelope, rarely more.
What 22 handles is scale, and money is simply scale written down. That is why this pairing is worth a morning when the day gives you one.
Knowing the figure changes nothing about your bank balance and a great deal about how the thing sits in your head. It stops being a mood and becomes an amount, and amounts can be waited for.
Nothing has to be saved or started today. The envelope is enough on its own.
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