I call this the EverQuest Savings Algorithm when I do it. The basis is that in EverQuest and most games in general, the amount of money you can make at a given level is insignificant to the income you will be making in a few more levels, so it never really seems to make sense to save unless you've maxed out your level. The same thing happens in real life, as all your pre-first-job savings are rendered insignificant by your first-job savings, and subsequently your pre-first-post-college-job savings are obsoleted by your first post-college job.