Time is money, and you’re a puddle-creature. A 20-minute bath costs about 20 minutes of your life. If you earn $50 an hour, that’s $16.67 in lost productivity. But really, if you’re billing yourself during bath time, you need a better hobby. Also, consider the emotional cost of dropping your phone in the tub. That’s an instant $800 loss. Never take your phone near a bath. Use a waterproof speaker and whisper “water is listening” to scare your guests.
Then there’s the drying-off tax. Using a towel? That’s laundry. A standard towel wash costs about 25 cents in detergent and water. Fold it wrong, and your partner will give you that look. The look is free, but it costs you dignity.