If I won $50 in a school raffle, I would save it up to buy something bigger. For example, $50 dollars can get you an Echo Dot. But wouldn’t you want to save up for something bigger like a TV? On the other hand, I could also spend it on small things. Five Below can get you a lot with $50. I also could just spend a little bit at a time and also make some money. So, if I need a pair of earbuds I can pay for some but also make some money to get that money that I just spent back.