I love the math. Waiting for others to notice it.
I’m watching a home renovation show. The owners do some of the work and save some money. If they come in under budget a few thousand dollars they upgrade something and spend the “savings” and feel really clever.
Since most of the “budget” is borrowed money it simply means they went over their budget by a smaller amount than otherwise. The less objectionable of two possibilities is now a virtue.
The idea looks looks like my NY math.