So Spotify charges AU$12 per month here. I've been on this plan for ages and essentially realised I've been an idiot all along.
I quit my subscription and bought a one year gift voucher on eBay for AU$65. Boom, $79 a year saved.
Assuming a conservative 5% annualised return and assuming spotify will be around for that long, this seemingly small saving of $6.59 per month will over a decade compound to $1,026 saved towards my FIRE goals with NO compromise towards my quality of life whatsoever.
People laugh at me when I'm excited about saving a couple of dollars a month, but they forget the bigger picture.