👉 Payday math is a financial concept that describes how small, consistent payments over time can accumulate into significant sums, often surprising individuals who don't account for this effect. It highlights the power of compounding interest and regular savings, demonstrating that even modest contributions can grow substantially when made consistently. For instance, paying $50 a month toward a debt instead of one large payment can drastically reduce the total interest paid over time, illustrating how payday math underscores the importance of disciplined financial planning and the potential for exponential growth through regular, small contributions.