The wage is the smallest number in the calculation and the only one most owners run. The rest of it decides whether the hire works or quietly drains the year.
The order matters considerably more than the effort, and two of the steps take under a minute each. Almost all of the eventual cost is set before lunchtime.
Most families use all four and rarely decide the proportions on purpose. The order they are drawn on changes the total cost of the degree considerably.
Several different deadlines run at once in any disagreement, set by different people for different reasons, and the earliest one is usually the least advertised.