Time is money. Ten minutes of daily YouTube ads adds up to 5 hours a month. Premium costs $14, roughly an hour's work at minimum wage. Trade one hour of labor for four hours of free time. That's 48 hours back each year for $168. It's a no brainer. Even if your wage is half of 14 dollars, you would still gain 24 hours back and it would still be worth it.
or install ublock origin and keep your money and the time!
while depriving google of revenue AND costing them money
win, win, win and WIN