A nice approach to a classic motivational problem, I like how you were able to frame the problem different than what I have seen before personally, the use of the amount you can still hope to save gives it a very glass half full instead of glass half empty point of view.
And it is definitely true speaking from a design and development point that if you wait for something to be perfect before launching you will never launch anything.
Thank you for your entry to #thegraycontest