Folks need to be AWARE
$10 per month, $120 per year, 40 years totals = $4800
If you instead put the $10 in a bank and got 5% annualized, with interest compounding monthly (not daily compounding like banks calculate for savings accounts), interest accumulation would have resulted in $10524 increase in account value over the 40 years.
Ergo, your bank account would be $15334 at the end of 40 years (to be clear, by spending the $10 each month rather than putting that into an account offering 5% growth rate, you do not have an accumulation of $15334 in wealth
Just be AWARE, and make an intelligent decision for YOURSELF!
I am trying to convert no one to MY point of view. I am showing true 'cost', not the apparent one "It's only nnn"
So if there is an alternate way of accomplishing the same results without payment of a monthly subscription, you will be $15k richer in the end.