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Nominull comments on It's the Same Five Dollars! - Less Wrong
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Sometimes you buy more than one thing at a time. The heuristic might be something along the lines of, if that store is 33% cheaper on that calculator it might be 33% cheaper on other things, and you might end up saving a lot more than $5. If the calculator is only 4% cheaper, your savings will only work out to near $5, which might not be worth your 20 minutes.