Fun experiment! I did this one year and was also underwhelmed and grateful I'd done it! We had an emergency expense come up that we weren't prepared for and that $5 challenge meant we could pay for it upfront instead of paying with a credit card. In 2021, I don't think I've yet used cash to pay for anything! I really liked Qapital as a savings roundup app until they started charging a fee. I'm looking for something like that now. Hmm...maybe time for a new experiment! Thank you for sharing your results with us!