Abstract: A system and method enables a user to determine a financial benefit from making at least one small sacrifice if the monetary value of the at least one small sacrifice were to be saved in a destination account, or directed to make a particular investment or to reduce a particular debt. The method and system provides the user with a forecasted short-tem and/or long-tem outcome should the at least one small sacrifice be made. When the user chooses to apply the monetary equivalent of at least one small sacrifice to a destination account, the system can then facilitate a secure financial transaction with their bank's server. This transaction deducts the amount, or series of amounts, from the user's chosen source account, typically a checking account, and applies the savings amount to the user's chosen destination account, e.g., a mortgage account or a savings account.