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☕ DrinkCoffeeAndProfit
Smart money moves before breakfast
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Inspiration Quote for the Day
“The secret of getting ahead is getting started.”
— Mark Twain
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The Morning Ritual
Her School Supply List Costs $864. She Will Pay $680.
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Claire’s daughter brought home the school supply list last week. Forty-three items. Claire typed every one into her phone, checked the prices, and landed on a number that made her set the phone down: $864. That is what the National Retail Federation says the average K-12 family will spend this year. A record.
She did not buy a single item. She opened her calendar instead. Three dates circled in red. Those dates are worth somewhere between $120 and $200 to any family paying attention. Most families are not paying attention.
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July 30
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Current share price: $0.79
Share price deadline: July 30
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This is a paid advertisement for Immersed made pursuant to a Regulation A+ offering and involves risk, including the possible loss of your entire investment. Shares are not publicly traded and are illiquid. No IPO or NASDAQ listing is guaranteed. Please read the offering circular and related risks at invest.immersed.com. The valuation is set by the Company and there is currently no public market for the Company’s Common Stock. Financial figures are unaudited and past performance does not guarantee future results. Tier pricing is set by the Company; prior pricing does not indicate future value.
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In One Sip
► Back-to-school spending will hit a record $43.3 billion for K-12 families this year, up 10% from 2025. The average family: $864.
► Electronics lead the bill at $293 per household. Clothing and accessories: $250. Shoes: $174. Supplies: $146. Electronics alone account for a third of the total.
► College families will spend even more: a record $1,438 per student, up $111 from last year. Computer prices are the main driver.
► Sales tax holidays are live right now. Florida runs through August 20. New Mexico and Tennessee start tomorrow. Texas, Ohio, Virginia, Missouri, South Carolina, and Oklahoma start August 7.
► Here is the buried number: the personal savings rate is at 3%. The long-term average is 8.4%. Families are spending a record amount while saving less than half the historical norm.
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Why It Matters for Your Money
Start with the math Claire did. Her daughter needs a laptop for seventh grade. That is $293 of the $864 right there. In Texas, the sales tax holiday runs August 7 through 9. Computers under $3,000 are exempt. At a combined rate of 8.25%, buying that laptop during the tax-free window saves her $24 on one purchase. Add clothing under $100 per item, shoes, and school supplies—all exempt. The tax holiday alone could return $50 to $70 across the full list.
Now stack the retailer layer. Walmart rolled back prices on 1,300 back-to-school items this month. Target runs a price-match guarantee: if you find it cheaper within 14 days, they refund the difference. Amazon still has leftover Prime Day pricing on electronics through early August.
Layer the tax holiday on top of the retailer deals and Claire’s $864 list comes down to roughly $680 to $720. That is $140 to $180 back in her pocket. Not from a coupon app. Not from a credit card reward. From a calendar.
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The Wealth Angle
Here is the number that should reframe this entire shopping season: the personal savings rate in America is 3%. The long-term average is 8.4%. The average household is saving less than half of what it historically saves, and it is spending a record amount on a bill that arrives every single August.
PayPal surveyed parents this month. 53% said back-to-school shopping feels more stressful than last year. 60% said they feel pressure to buy what their children want, not just what they need. That pressure plus a 3% savings rate is how an $864 bill becomes a credit card balance at 23.79% interest.
I think this is one of those rare moments where the system works in your favor, but only if you play the calendar. The tax holidays exist. The retailer deals exist. The window is open right now. After the second week of August, prices normalize, inventory thins, and the only option left is full price plus the credit card.
Claire circled three dates: tomorrow, July 31, when New Mexico and Tennessee go tax-free. August 7, when Texas and seven more states join. August 16, the last day of Illinois’s ten-day window. Between those dates, every dollar of school spending is cheaper than it will be on August 25.
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☕ Key Insight:
The average family will spend a record $864 on back-to-school this year. Sales tax holidays and retailer rollbacks are live right now. The window runs roughly two weeks. After that, prices reset. The calendar is the only coupon that matters.
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Coffee Break Move
If you have school-age kids: Check your state’s sales tax holiday dates today. Florida is already live through August 20. New Mexico and Tennessee start tomorrow. Texas, Ohio, Virginia, Missouri, South Carolina, and Oklahoma start August 7. Make your full list now and buy the big-ticket electronics and shoes during the tax-free window. On a $700+ list, the tax savings alone can run $50 to $70.
If you do not have school-age kids: Send this to someone who does. The parents stressing over this bill right now are not thinking about the calendar. A two-minute text could save a friend $150.
Claire did not need a financial advisor. She needed three dates and a list. The school supply bill is $864 this year. The families who check the calendar first will pay $680. That is not a hack. That is just paying attention.
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