I've been taking tepid showers for close to 2 years now but what I find an absolute blast is swimming in the cold waters of the Pacific near Canada. Both invigorating and tiring.
About dropping a $100 bill it isn't impossible now and then but the incentive needs to be strong: recently my mother's help had a health related issue happen to a family member and it seemed churlish to not help her when she'd gone above and beyond with my father. Both my brother and I contributed in this case. But that is not the same as throwing $20 or $100 when eating out and I appreciate the point about not always worrying, especially when it is reciprocal and simply more efficient. I'll think about it.
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