{"id":111081,"date":"2024-09-25T22:40:51","date_gmt":"2024-09-26T02:40:51","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=111081"},"modified":"2025-10-01T23:04:33","modified_gmt":"2025-10-02T03:04:33","slug":"frugal-habits-to-save-money","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/frugal-habits-to-save-money\/","title":{"rendered":"7 Frugal Habits To Save Money (while still living your Rich Life)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"111081\" class=\"elementor elementor-111081\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d11b39b elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"d11b39b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bcbb57c\" data-id=\"bcbb57c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0368e66 elementor-widget elementor-widget-text-editor\" data-id=\"0368e66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For nearly two decades, we\u2019ve helped thousands of students live their richest lives by mastering their money, business, and careers. In this post, I\u2019ll share frugal habits to save money without sacrificing what truly matters to you. These habits will empower you to say &#8220;yes&#8221; to what brings you the most joy and fulfillment.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2de58c9 elementor-widget elementor-widget-heading\" data-id=\"2de58c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Living frugally within your Rich Life<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6121de4 elementor-widget elementor-widget-text-editor\" data-id=\"6121de4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Frugality, in the context of your <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-live-a-rich-life\/\"><span style=\"font-weight: 400;\">Rich Life<\/span><\/a><span style=\"font-weight: 400;\">, isn\u2019t about denying yourself or cutting out everything you enjoy. Instead, it\u2019s about making intentional choices that match your values so you can spend more on the things you love and less on what doesn\u2019t matter.<\/span><\/p><p><span style=\"font-weight: 400;\">Here are some Rich Life rules to keep in mind:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Make your Rich Life uniquely yours: <\/b><span style=\"font-weight: 400;\">Spend on what brings you joy and cut out what doesn\u2019t. Maybe that\u2019s traveling every year, investing in a hobby, or designing a cozy home. Spend unapologetically on what matters most to you, and save on everything else.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Take charge of your financial decisions: <\/b><span style=\"font-weight: 400;\">Don\u2019t just let life happen to you\u2014actively decide where your money goes. Being frugal doesn\u2019t mean saying no to everything; it means saying yes to what makes your Rich Life possible.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Start small, even if it\u2019s not perfect: <\/b><span style=\"font-weight: 400;\">Don\u2019t wait until you have everything figured out. Begin with small, manageable changes that align with your Rich Life vision. You don\u2019t need to be perfect; just start.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Embrace mistakes as learning opportunities: <\/b><span style=\"font-weight: 400;\">Mistakes are a natural part of building your Rich Life. Rather than seeing them as setbacks, use them as a chance to learn and refine how you spend and save.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Be proactive with your money: <\/b><span style=\"font-weight: 400;\">Frugality is about playing offense\u2014making strategic financial choices that create opportunities, not just cutting back. Set goals and align your spending with what you value most.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enjoy your Rich Life now, not just later: <\/b><span style=\"font-weight: 400;\">Find ways to live your Rich Life daily, even on a budget. It could mean treating yourself to small pleasures that bring you happiness or finding creative ways to enjoy life without overspending.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Focus on high-impact choices: <\/b><span style=\"font-weight: 400;\">Prioritize the financial decisions that will have the biggest impact, such as negotiating for a higher salary or investing wisely, rather than stressing over small expenses.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Give generously within your means: <\/b><span style=\"font-weight: 400;\">Being frugal doesn\u2019t mean being stingy. Find ways to be generous that fit your budget, whether donating to a cause you care about, volunteering your time, or supporting friends and family.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9de9de elementor-widget elementor-widget-heading\" data-id=\"b9de9de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Automate your finances<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8118bc4 elementor-widget elementor-widget-text-editor\" data-id=\"8118bc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/automate-your-finances\/\"><span style=\"font-weight: 400;\">Automating your finances<\/span><\/a><span style=\"font-weight: 400;\"> means setting up systems that handle your money for you, making saving and investing effortless. This strategy minimizes the chances of missing payments or forgetting to save, freeing you from the stress of manual money management. It\u2019s a smart, frugal habit because it ensures you\u2019re always putting money toward your goals, even if life gets busy or you\u2019re tempted to spend impulsively.<\/span><\/p><p><span style=\"font-weight: 400;\">This approach complements<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/conscious-spending-basics\/\"> <span style=\"font-weight: 400;\">conscious spending<\/span><\/a><span style=\"font-weight: 400;\">, helping you make deliberate financial choices that align with your values and long-term goals.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-786f39c elementor-widget elementor-widget-heading\" data-id=\"786f39c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What this looks like:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ee1b5c elementor-widget elementor-widget-text-editor\" data-id=\"8ee1b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Automation helps you build wealth consistently without thinking about it every month. By making saving and investing automatic, you prioritize your financial health and set yourself up for long-term success. Plus, removing the manual steps eliminates the risk of procrastination or decision fatigue. You\u2019re essentially putting your <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-manage-your-money\/\"><span style=\"font-weight: 400;\">money management<\/span><\/a><span style=\"font-weight: 400;\"> on autopilot for what matters most.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Set up automatic transfers to savings and investment accounts<\/b><span style=\"font-weight: 400;\"> by deciding on a specific amount to save from each paycheck and scheduling it to transfer directly to your savings or investment accounts. This allows you to consistently build your savings without noticing the money leaving your account.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use apps to round up purchases and invest the difference,<\/b><span style=\"font-weight: 400;\"> like Acorns. These apps round up your purchases to the nearest dollar and automatically invest the spare change. This method provides a painless way to invest small amounts regularly, which can grow significantly over time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Automate bill payments to avoid late fees<\/b><span> by setting up automatic payments for your bills, such as utilities, credit cards, and subscriptions. This ensures you never miss a payment, helping you avoid late fees and maintain a good credit score.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e38831e elementor-widget elementor-widget-heading\" data-id=\"e38831e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to incorporate it with your Rich Life:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18cc415 elementor-widget elementor-widget-text-editor\" data-id=\"18cc415\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Automating your finances frees up mental energy for more exciting financial decisions, like planning a dream vacation or investing in a passion project. It ensures you&#8217;re consistently funding your Rich Life goals without thinking about it every month. With your finances on autopilot, you can reduce stress and enjoy life more, knowing that your money is working for you in the background.<\/span><\/p><p><span style=\"font-weight: 400;\">Imagine you\u2019re a busy professional who decided to automate your savings and bill payments last year. You set up an automatic transfer of $200 from every paycheck to your savings account and used an app to round up your purchases, investing the difference. Over the past year, you saved over $3,000 and avoided late fees by automating your bill payments.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6edcb84 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"6edcb84\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0c23ec\" data-id=\"b0c23ec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9a49a4 elementor-widget elementor-widget-heading\" data-id=\"e9a49a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Prioritize your values<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d7fd69 elementor-widget elementor-widget-text-editor\" data-id=\"0d7fd69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Prioritizing your values means being crystal clear about what matters most to you and consciously directing your money toward those things. This isn\u2019t about deprivation; it\u2019s about cutting out the noise and focusing your financial resources on the areas that truly enhance your life. When you know your priorities, you can <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-make-expensive-purchases\/\"><span style=\"font-weight: 400;\">spend without guilt<\/span><\/a><span style=\"font-weight: 400;\"> and balance your financial decisions with what brings you the most happiness.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af35884 elementor-widget elementor-widget-heading\" data-id=\"af35884\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What this looks like:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee4fa86 elementor-widget elementor-widget-text-editor\" data-id=\"ee4fa86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Identifying your core values is the first step to prioritizing your spending. From there, you can cut back on things that don&#8217;t matter and redirect those funds toward what you love.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Identify what truly matters to you.<\/b><span style=\"font-weight: 400;\"> Whether it&#8217;s travel, new experiences, or spending quality time with family, knowing your priorities helps you focus on what you value most.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cut back on areas that don&#8217;t align with your values.<\/b><span style=\"font-weight: 400;\"> Review your expenses and find areas where you\u2019re spending money without much return in happiness or fulfillment. Redirect those funds to things that are meaningful to you.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Allocate more resources to high-priority areas.<\/b><span> Once you\u2019ve identified what matters most, commit more money to those areas. This could mean booking more trips, investing in education, or donating to causes close to your heart.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e45cc39 elementor-widget elementor-widget-heading\" data-id=\"e45cc39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to incorporate it with your Rich Life:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-332eb9c elementor-widget elementor-widget-text-editor\" data-id=\"332eb9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To incorporate this habit into your Rich Life, start by defining your \u201cMoney Dials,\u201d the areas where spending brings you the most joy and value.<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/money-dials\/\"> <span style=\"font-weight: 400;\">Explore the Money Dials<\/span><\/a><span style=\"font-weight: 400;\"> to identify what truly lights you up\u2014convenience, travel, health, or something else entirely. Use these insights to guide your spending choices and confidently invest in things that make your life richer.<\/span><\/p><p><span style=\"font-weight: 400;\">By focusing on what matters most, you can spend guilt-free on experiences and items that bring you happiness while cutting back on the things that don\u2019t. This approach allows you to create memorable experiences that align with your definition of a Rich Life. As you refine your spending to reflect your true priorities, you&#8217;ll feel more confident that your financial decisions support the life you genuinely want to live.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a601891 elementor-widget elementor-widget-heading\" data-id=\"a601891\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What happens when you spend without knowing your values<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efd02bd elementor-widget elementor-widget-text-editor\" data-id=\"efd02bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Sometimes, the impact of spending without a clear understanding of your values only becomes evident when you&#8217;re already facing financial trouble.<\/span><\/p><p><span style=\"font-weight: 400;\">In my podcast episode with <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/150-elizabeth-jonathan\/\"><span style=\"font-weight: 400;\">Elizabeth and Jonathan<\/span><\/a><span style=\"font-weight: 400;\">, a couple in their mid-30s, I learned how their lack of clarity around what matters has trapped them in a cycle of debt and stress. They find themselves stuck, paying some bills while letting others slip and attempting to manage their money with a notepad of random expenses.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdf883f elementor-widget elementor-widget-video\" data-id=\"bdf883f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=nfbaDoKmtbM&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fec8e0 elementor-widget elementor-widget-text-editor\" data-id=\"7fec8e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:14:13] Ramit: Clothes are $350 a month. What?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:14:16] Elizabeth: So that was based off of this last month. It\u2019s not every month that I spent $350.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:14:25] Ramit: I just want to reiterate, you have $25,000 in credit card debt, and you spend $350 in a month on clothes.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:14:30] Elizabeth: Yeah. I should not be buying more clothes. I have plenty.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:14:35] Ramit: I\u2019m not here to beat you up or berate you. That\u2019s not my job. That\u2019s not what I do.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:14:38] Elizabeth: No, but it\u2019s honest.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:14:45] Ramit: What I\u2019m trying to do is to show you that you are not in alignment. If you say that you want to pay off your debt, we\u2019ll get to that. If you say that you would like to have more savings, if you say that you would like to stop worrying, this is not in alignment with that.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:15:03] Elizabeth: Right, it\u2019s not.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23e3cef elementor-widget elementor-widget-text-editor\" data-id=\"23e3cef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As we continued to talk, it became clear that their financial challenges weren&#8217;t just about numbers\u2014they were about habits. Elizabeth, for example, realized she was spending hundreds of dollars on clothes in a single month despite having significant credit card debt. They both knew something needed to change, but they hadn&#8217;t yet taken the steps to align their spending with their actual goals.<\/span><\/p><p><span style=\"font-weight: 400;\">In the next part of our conversation, we talk about the importance of recognizing these patterns and making intentional decisions to break free. It\u2019s not just about cutting back; it&#8217;s about making your money work for you by automating where it goes so you don&#8217;t have to manually manage every expense.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-239f228 elementor-widget elementor-widget-text-editor\" data-id=\"239f228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:18:33] Ramit: Before we do work on some other reduction, I just want to look at the rest. Investments, you\u2019re at 8%. All right, so you\u2019re putting 400 bucks a month away into retirement, which is why you have $38,000 invested. All right, fine.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:18:47] Elizabeth: Yeah. That\u2019s the only reason we have anything invested.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:18:50] Ramit: So what\u2019s the lesson?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:18:52] Elizabeth: If I can\u2019t see it go, then it\u2019s fine.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:18:57] Ramit: If you want your money to go somewhere, you need to make it automatic. Whatever is left, you\u2019re going to spend it. Might as well just be humble about it and admit it. Look, I have my own weaknesses. You put chips and salsa in front of me, I\u2019m eating that whole freaking thing. I know that. I\u2019m only going to eat at a Mexican restaurant when I know, ah, it\u2019s going to be chips and salsa all night for Ramit.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:19:20] Elizabeth: Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:19:21] Ramit: I\u2019m humble enough to know it. You got to be humble enough. It\u2019s not about trying. It\u2019s not about manually tracking in a notepad. None of that stuff matters. It\u2019s about automating your money to go where you want it to go, simple as that. We need to get this number down to roughly 50, maybe 60%.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:19:40] Elizabeth: Like I said, we\u2019ve tried to get out of debt many times, and we never get out of debt ever. That\u2019s why it keeps accumulating. It just keeps getting worse.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:19:52] Ramit: Eating out. What else?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:19:54] Elizabeth: I would buy a lot of movies online.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:19:59] Ramit: What?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:00] Elizabeth: Like at $5 a pop, digital movies.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:04] Ramit: What?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:05] Elizabeth: That was something else I like to buy.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:06] Ramit: Wait, hold on. You have $185 a month in subscriptions. I presume that\u2019s like Disney plus, Netflix, all that stuff, right?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:13] Elizabeth: Yes.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:13] Jonathan: Mm-hmm.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:13] Ramit: So you\u2019re buying on top of those.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:15] Elizabeth: Yes, I am. I stopped. Jon made me stop, so I did stop.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:20] Ramit: What\u2019d you say, Jon?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:21] Jonathan: Can we really afford that? You need to stop. It all adds up.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:20:26] Elizabeth: No, he told me to stop. He said I wasn\u2019t allowed to buy any more movies.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9608a6e elementor-widget elementor-widget-text-editor\" data-id=\"9608a6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/150-elizabeth-jonathan\/\"><span style=\"font-weight: 400;\">Elizabeth and Jonathan\u2019s story<\/span><\/a><span style=\"font-weight: 400;\"> shows what happens when spending drifts away from intention. Even with a higher income than before, they\u2019re still weighed down by debt, lost in a pattern of unplanned expenses and missed payments. This struggle isn&#8217;t unique\u2014it can happen to anyone who doesn&#8217;t actively align their money choices with their true priorities.<\/span><\/p><p><span style=\"font-weight: 400;\">To break free from this cycle, you need a plan that reflects your real values. Automating savings and payments can set the foundation, but it&#8217;s crucial to dig deeper, understand what truly matters, and direct your spending accordingly.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06acebf elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"06acebf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-46fdc9e\" data-id=\"46fdc9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f59c69 elementor-widget elementor-widget-heading\" data-id=\"0f59c69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Be a savvy consumer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a8072e elementor-widget elementor-widget-text-editor\" data-id=\"3a8072e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Being a savvy consumer means making informed decisions and getting the best value for every dollar you spend. This doesn\u2019t mean spending hours clipping coupons or obsessing over every penny; it\u2019s about being strategic with your purchases. By making smart money choices, you can save on necessary expenses and redirect those savings to the things that truly matter to you.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebb4dbb elementor-widget elementor-widget-heading\" data-id=\"ebb4dbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What this looks like:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e187c86 elementor-widget elementor-widget-text-editor\" data-id=\"e187c86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It also involves simple and effective strategies to get more for your money. Instead of paying full price or settling for the first option, you\u2019re always looking for deals, maximizing rewards, and using tools to help you save. Here\u2019s how you can do it:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Research prices and use price-matching policies<\/b><span style=\"font-weight: 400;\"> to avoid overpaying. Before making a purchase, take a few minutes to check multiple retailers and see if anyone offers a price match guarantee.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Take advantage of credit card rewards and cashback offers<\/b><span style=\"font-weight: 400;\"> by using cards that align with your spending habits. Select a card that gives you points, miles, or cash back on the things you buy most often, like groceries or travel.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use browser extensions to find the best deals automatically.<\/b><span> Install extensions like Honey or Rakuten to scan for coupons and cash-back opportunities as you shop online, making sure you never miss a discount.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26066c5 elementor-widget elementor-widget-heading\" data-id=\"26066c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to incorporate it with your Rich Life:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6842055 elementor-widget elementor-widget-text-editor\" data-id=\"6842055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Being a savvy consumer stretches your budget further, allowing you to save on necessary purchases and free up funds for your Rich Life experiences. The money you save by strategic spending can be used for memorable moments, like that weekend getaway you\u2019ve been dreaming about or dining out at a restaurant you&#8217;ve always wanted to try.<\/span><\/p><p><span style=\"font-weight: 400;\">For example, if you\u2019re buying a new laptop, using price-matching, cashback offers, and browser extensions could save you $200 or more. You could then channel those savings into something you genuinely enjoy, like a luxury spa day or a cooking class you\u2019ve always wanted to attend. Feeling empowered and knowing you\u2019re getting the best value for your money also adds to your financial confidence.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-657ae3b elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"657ae3b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a09c09\" data-id=\"4a09c09\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bcee16 elementor-widget elementor-widget-heading\" data-id=\"9bcee16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Invest in quality over quantity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a426b2e elementor-widget elementor-widget-text-editor\" data-id=\"a426b2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Investing in quality over quantity means buying fewer but better items that stand the test of time. It\u2019s about making thoughtful purchases that offer long-term value rather than opting for the cheapest option that might break or wear out quickly. This habit saves you money in the long run and improves your life by surrounding yourself with things that truly bring you joy and satisfaction.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d03963d elementor-widget elementor-widget-heading\" data-id=\"d03963d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What this looks like:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44e8e74 elementor-widget elementor-widget-text-editor\" data-id=\"44e8e74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Focusing on quality means prioritizing durability, versatility, and longevity in the items you buy. Instead of getting caught in a cycle of replacing low-cost items frequently, you invest a bit more upfront for things that truly last. Here\u2019s how you can start with <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/budget-help\/\"><span style=\"font-weight: 400;\">a bulletproof budget<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p><ul><li><b>Buy well-made items that last longer<\/b><span> to avoid the constant need for replacements. This could mean choosing a sturdy winter coat or investing in high-quality kitchen appliances that won\u2019t need frequent repairs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose versatile pieces that serve multiple purposes<\/b><span style=\"font-weight: 400;\"> to get more use out of each item. Consider clothing that can be dressed up or down or multi-functional furniture that saves space and money.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Spend more upfront for things you use frequently,<\/b> like a comfortable mattress, reliable shoes, or a durable laptop. Paying more now can mean less stress, fewer replacements, and more satisfaction over time.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e4ff31 elementor-widget elementor-widget-heading\" data-id=\"7e4ff31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to incorporate it with your Rich Life:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c4d308 elementor-widget elementor-widget-text-editor\" data-id=\"7c4d308\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Investing in quality allows you to enjoy premium experiences without the hassle and cost of constant replacements. By owning fewer but higher-quality possessions, you reduce clutter, simplify your life, and make room for the things that truly matter.<\/span><\/p><p><span style=\"font-weight: 400;\">Picture yourself enjoying your morning coffee from a durable coffee maker that\u2019s lasted for years or wearing a perfectly tailored outfit that makes you feel confident every time.<\/span><\/p><p><span style=\"font-weight: 400;\">By focusing on quality, you align your spending with your Rich Life values and can feel great about your choices. You know that each item enhances your daily experience and truly reflects what matters to you.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ebe608b elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"ebe608b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aaafb26\" data-id=\"aaafb26\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d8e8b9 elementor-widget elementor-widget-heading\" data-id=\"8d8e8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. Master the art of conscious spending<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e656d78 elementor-widget elementor-widget-text-editor\" data-id=\"e656d78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Conscious spending means directing your money toward what matters most to you instead of mindlessly cutting expenses across the board.<\/span><\/p><p><span style=\"font-weight: 400;\">It&#8217;s about creating a spending plan that aligns with your values and allows you to enjoy your money without guilt. This habit encourages a balanced approach to money management, where you\u2019re both mindful of your spending and open to splurging on the things that truly enhance your life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d08ac8 elementor-widget elementor-widget-heading\" data-id=\"2d08ac8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What this looks like:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-733ed97 elementor-widget elementor-widget-text-editor\" data-id=\"733ed97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/conscious-spending-basics\/\"><span style=\"font-weight: 400;\">Practicing conscious spending<\/span><\/a><span style=\"font-weight: 400;\"> helps you make smarter financial choices while still enjoying your money. It\u2019s about planning and prioritizing, so you\u2019re spending less on what doesn\u2019t matter and more on what does. Here are some ways to start:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.iwillteachyoutoberich.com\/budgeting-101\/\"><b>Use a budget as a spending plan<\/b><\/a><b>, not a restriction,<\/b><span style=\"font-weight: 400;\"> to guide where your money goes. Think of it as a tool that empowers you to spend more on what brings you joy rather than a list of what you can\u2019t do.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Allow for planned splurges in areas that matter most,<\/b><span style=\"font-weight: 400;\"> like dining at your favorite restaurant once a month or setting aside money for a special trip. These planned expenses keep you motivated and excited about your finances.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regularly review and adjust your spending patterns<\/b><span> to align with your values and goals. Check your spending habits at least once a month to see where you\u2019re doing well and where you might want to make changes.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8733de elementor-widget elementor-widget-heading\" data-id=\"a8733de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to incorporate it with your Rich Life:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9490a4 elementor-widget elementor-widget-text-editor\" data-id=\"f9490a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To integrate conscious spending into your Rich Life, identify your priorities and allocate your money accordingly. Use tools like a spending plan or a conscious spending framework to direct your money toward what genuinely matters to you. You don&#8217;t have to cut out all the fun; instead, focus on cutting costs in areas that don\u2019t bring you joy and reallocate those funds to what does.<\/span><\/p><p><span style=\"font-weight: 400;\">By mastering conscious spending, you feel in control of your finances without feeling deprived. You can confidently spend on things that align with your Rich Life vision, knowing you are making smart choices that support your happiness and financial goals.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d1f286f elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"d1f286f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-288e66c\" data-id=\"288e66c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f77ffc elementor-widget elementor-widget-heading\" data-id=\"1f77ffc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6. Leverage technology for financial efficiency<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46b606e elementor-widget elementor-widget-text-editor\" data-id=\"46b606e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Leveraging technology means using digital tools and resources to simplify money management and make smarter financial decisions. With the right apps and software, you can streamline your budgeting, save time, and reduce stress around your finances. This habit is about making technology work for you so you can focus less on managing your money and more on enjoying your Rich Life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cb605a elementor-widget elementor-widget-heading\" data-id=\"8cb605a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What this looks like:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f98f286 elementor-widget elementor-widget-text-editor\" data-id=\"f98f286\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/personal-finance-software\/\"><span style=\"font-weight: 400;\">Using technology for financial efficiency<\/span><\/a><span style=\"font-weight: 400;\"> can transform how you handle your money, making it easier to stay organized and make informed choices. Here\u2019s how you can start:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use budgeting apps to track spending effortlessly<\/b><span style=\"font-weight: 400;\"> by connecting your accounts and categorizing expenses automatically. This helps you see where your money goes without manually tracking every dollar.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Set up price alerts for big purchases<\/b><span style=\"font-weight: 400;\"> so you\u2019re always getting the best deal. Tools like CamelCamelCamel for Amazon or Google Shopping can notify you when prices drop on items you want.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Utilize online banking features for better money management,<\/b><span> such as automatic savings transfers, spending notifications, and budgeting tools provided by your bank. These features help you manage your money proactively and avoid overdrafts or missed payments.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b44b7d elementor-widget elementor-widget-heading\" data-id=\"9b44b7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to incorporate it with your Rich Life:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20cd288 elementor-widget elementor-widget-text-editor\" data-id=\"20cd288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To bring technology into your Rich Life, focus on tools that reduce your time and effort on financial tasks. By using budgeting apps, setting up alerts, and taking advantage of online banking features, you spend less time managing your finances and more time living the life you want.<\/span><\/p><p><span style=\"font-weight: 400;\">For instance, setting up price alerts allows you to make informed decisions about big Rich Life purchases, while budgeting apps ensure you stay on track with minimal effort.<\/span><\/p><p><span style=\"font-weight: 400;\">When you leverage technology effectively, you gain clarity and control over your financial health without feeling bogged down by the details, allowing you to confidently enjoy your Rich Life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be74316 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"be74316\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-400cc6a\" data-id=\"400cc6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29b22ba elementor-widget elementor-widget-heading\" data-id=\"29b22ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7. Cultivate money-saving skills<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fafe28 elementor-widget elementor-widget-text-editor\" data-id=\"2fafe28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Cultivating money-saving skills means developing practical abilities that help you keep more of your money and <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-lower-your-monthly-bills\/\"><span style=\"font-weight: 400;\">lower your monthly bills<\/span><\/a><span style=\"font-weight: 400;\">. Whether it\u2019s learning how to fix a leaky faucet, cooking a delicious meal at home, or negotiating better rates on bills, these skills empower you to save money effortlessly. By becoming more resourceful, you reduce unnecessary expenses and redirect those savings toward what truly enhances your Rich Life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e47127c elementor-widget elementor-widget-heading\" data-id=\"e47127c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What this looks like:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7620b57 elementor-widget elementor-widget-text-editor\" data-id=\"7620b57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Building money-saving skills can take many forms, but they all focus on minimizing costs while maximizing value. Here are some practical ways to start:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Learn basic DIY for home and car maintenance<\/b><span style=\"font-weight: 400;\"> so you can tackle simple repairs yourself and avoid costly service fees.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Develop cooking skills to make restaurant-quality meals at home.<\/b><span style=\"font-weight: 400;\"> Not only will this <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-way-to-save-money\/\"><span style=\"font-weight: 400;\">save you money<\/span><\/a><span style=\"font-weight: 400;\">, but it can also become a fun hobby that brings joy and satisfaction.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Master the art of negotiation for bills and large purchases.<\/b> <a href=\"https:\/\/www.iwillteachyoutoberich.com\/tip-13-negotiate-your-car-insurance\/\"><span style=\"font-weight: 400;\">Negotiating your car insurance<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-negotiate-your-rent\/\"><span style=\"font-weight: 400;\">rent<\/span><\/a><span style=\"font-weight: 400;\">, or <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/tip-5-optimize-your-cellphone-bill\/\"><span style=\"font-weight: 400;\">cell phone bill<\/span><\/a><span style=\"font-weight: 400;\"> or knowing how to ask for better terms can save you hundreds or even thousands over time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use <\/b><a href=\"https:\/\/www.iwillteachyoutoberich.com\/tip-using-sub-savings-accounts-for-unexpected-expenses\/\"><b>sub-savings accounts<\/b><\/a><b> for unexpected expenses<\/b><span style=\"font-weight: 400;\"> to better prepare for emergencies and avoid dipping into funds allocated for your Rich Life goals.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Plan for retirement early by <\/b><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-much-do-i-need-to-retire\/\"><b>calculating how much you need to retire<\/b><\/a><b> comfortably.<\/b><span> This helps you align your long-term savings strategy with your Rich Life vision<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b58d7b elementor-widget elementor-widget-heading\" data-id=\"4b58d7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to incorporate it with your Rich Life:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b90268 elementor-widget elementor-widget-text-editor\" data-id=\"7b90268\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Incorporating money-saving skills into your Rich Life makes you feel empowered and self-sufficient. For example, by learning to cook gourmet meals at home, you can enjoy high-quality food without the restaurant price tag, freeing up your budget for special dining-out experiences. Similarly, by negotiating bills and expenses, you free up money that can be redirected toward your Rich Life goals, like a dream vacation or a meaningful hobby.<\/span><\/p><p><span style=\"font-weight: 400;\">When you hone these skills, you\u2019re not just saving money\u2014you\u2019re building confidence in your ability to navigate life&#8217;s financial challenges and make choices that support the life you want to live.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39be6a1 elementor-widget elementor-widget-heading\" data-id=\"39be6a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When to stop being frugal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-321b58e elementor-widget elementor-widget-text-editor\" data-id=\"321b58e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Frugality can be a powerful tool for achieving financial goals, but it can also go too far, causing tension and conflict\u2014even when you\u2019re doing well financially.<\/span><\/p><p><span style=\"font-weight: 400;\">Take <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/152-fernando-anushka\/\"><span style=\"font-weight: 400;\">Fernando and Anushka<\/span><\/a><span style=\"font-weight: 400;\">, for example. They earn high incomes and have healthy savings and investment rates, but their attempts to save even more led to an exhausting eight-hour debate over whether to cut grocery spending or keep more in savings. Despite their financial stability, they\u2019re caught in a cycle of disagreement and stress about how much to save versus enjoy their life and it causes a lot of stress and anxiety.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b96c29b elementor-widget elementor-widget-video\" data-id=\"b96c29b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=2YlZ5x5AcVM&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4872201 elementor-widget elementor-widget-text-editor\" data-id=\"4872201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:06:37] Ramit: Fernando, when you get those monthly reports, what do you feel? Not what do you think, but what do you feel when you get\u2013<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:48] Fernando: Anxiety. Mad anxiety. Just childhood trauma related to money. Money is just the scariest thing to me.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:06:55] Ramit: Okay. So do you feel that when you have to make a purchase decision?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:01] Fernando: Oh yeah, all the time.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:02] Ramit: How about when you hear people talking about investing, or buying a house, or even traveling? You feel that same anxiety?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:13] Fernando: Generally, when it comes to taking a trip or something like that, I don\u2019t have that kind of anxiety, but I do have that anxiety when it comes to something like gambling. I don\u2019t gamble at all because, in my mind, you are just a few steps away from losing everything. Again, I understand, it\u2019s a moderation thing, but I don\u2019t want to cross that line.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:32] I don\u2019t want to put myself or my family in that kind of situation. And I think another reason that I have a lot of anxiety with money is because Anushka helps me support my family in Michigan. That is a part of the budget. A lot of my monthly income goes towards making sure that they\u2019re fine.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:47] Ramit: Uh-huh. And just so I make sure I get this right, you mentioned you don\u2019t like gambling. Is investing gambling to you?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:07:55] Fernando: In a sense, yes. Yeah, I do see it similarly. That\u2019s where the major conflict comes in my mind in investing. It feels like gambling. I know if something\u2019s going to happen to the stock market and all that\u2019s going to go away.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2d29f5 elementor-widget elementor-widget-text-editor\" data-id=\"a2d29f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Fernando&#8217;s deep-seated anxiety about money reveals how even the simplest spending decisions can feel overwhelming when frugality is driven by fear rather than intention. His reluctance to spend and equating investing with gambling demonstrates how the habit of saving can become an unhealthy obsession, impacting not only his financial choices but his overall quality of life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a615c47 elementor-widget elementor-widget-text-editor\" data-id=\"a615c47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">[00:30:11] Fernando: Psychologically, it hurts me a lot to try and do that.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:30:17] Ramit: It hurts you to spend because?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:30:20] Fernando: I just feel like I am completely wasting that money. As soon as that return period&#8217;s over, I&#8217;m screwed.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:30:25] Ramit: Mm-hmm. Wow. That&#8217;s so funny because when I buy something, I literally do not think about the return period.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:30:31] Fernando: Really?<\/span><\/p><p><span style=\"font-weight: 400;\">[00:30:32] Ramit: No.<\/span><\/p><p><span style=\"font-weight: 400;\">[00:30:33] Anushka: He has always been the one to tell me, yes, spend it, and I have always been the one that has questioned the spending. So it&#8217;s sad to hear that he has so much anxiety over things like that. I knew it to be true, but it&#8217;s sad to hear it like that.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b3af8b elementor-widget elementor-widget-text-editor\" data-id=\"6b3af8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Fernando\u2019s story shows that extreme frugality, driven by fear and anxiety, can create a heavy burden, affecting both personal well-being and relationships. His struggle to see the value in spending or investing reveals how a hyper-focus on saving can make it hard to enjoy the present or plan for a brighter future.<\/span><\/p><p><span style=\"font-weight: 400;\">Finding the right balance between saving and living is essential to avoid letting frugality control your life. Knowing when to stop being frugal is just as important as knowing how to save. Here are some signs that it might be time to ease up:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>When it significantly impacts your quality of life.<\/b><span style=\"font-weight: 400;\"> It might be time to rethink your approach if you&#8217;re constantly denying yourself the things that bring you joy or comfort.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If it&#8217;s causing stress or conflict in relationships.<\/b><span style=\"font-weight: 400;\"> Money is a common source of tension in relationships. If your frugal habits to save money create unnecessary stress or arguments, consider finding a balance that works for everyone.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>When the time spent saving money could be better used earning more.<\/b><span style=\"font-weight: 400;\"> Sometimes, the hours you spend hunting for deals or making laundry detergent could be better spent advancing your career, learning new skills, or finding ways to earn more.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If it&#8217;s preventing you from necessary health care or self-care.<\/b><span style=\"font-weight: 400;\"> Skipping doctor visits or neglecting your mental health to save money isn&#8217;t worth it. Your health and well-being are foundational to living a Rich Life.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>When it&#8217;s stopping you from investing in yourself or your future Rich Life.<\/b><span style=\"font-weight: 400;\"> Whether taking a course to advance your career, starting a business, or simply indulging in a hobby you love, investing in yourself is crucial.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If it&#8217;s making you miss out on once-in-a-lifetime opportunities.<\/b><span style=\"font-weight: 400;\"> Some experiences are worth the splurge. Don\u2019t let frugality keep you from creating unforgettable memories.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>When the savings are minimal compared to the effort required<\/b><span style=\"font-weight: 400;\">. If you find yourself jumping through hoops to save a few cents, it\u2019s worth evaluating whether those savings are worth your time and energy.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">A balanced approach to money means knowing when to save and when to spend. Frugality should improve your life, not hold you back.<\/span><\/p><p><span style=\"font-weight: 400;\">Focus on making smart financial decisions that align with your values. Embrace the habits that serve you best, and don&#8217;t be afraid to let go of those that don&#8217;t. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cdc6f7 elementor-widget elementor-widget-shortcode\" data-id=\"4cdc6f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<section data-elementor-type=\"section\" data-elementor-id=\"106510\" class=\"elementor elementor-106510\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51156e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"51156e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e992b0\" data-id=\"4e992b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1b51f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"1b51f67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa237b9\" data-id=\"fa237b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b341c44 elementor-widget elementor-widget-heading\" data-id=\"b341c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-large\">If you like this post, you'd love my Ultimate Guide to Personal Finance<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccbe91b elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ccbe91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"193\" height=\"300\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png\" class=\"attachment-medium size-medium wp-image-106717\" alt=\"UG to Personal Finance\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png 193w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png 610w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5130b32 elementor-widget elementor-widget-text-editor\" data-id=\"5130b32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s one of the best things I&#8217;ve published (and 100% free), just tell me where to send it:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bbeee elementor-widget 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id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53563-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111081\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/frugal-habits-to-save-money\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fd482ad elementor-hidden-mobile\" data-id=\"fd482ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb86639 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"cb86639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"610\" height=\"950\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png\" class=\"attachment-medium_large size-medium_large wp-image-106717\" alt=\"UG to Personal Finance\" srcset=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts.png 610w, https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/2024\/06\/UG-to-Personal-Finance-ts-193x300.png 193w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/section>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>For nearly two decades, we\u2019ve helped thousands of students live their richest lives by mastering their money, business, and careers. In this post, I\u2019ll share frugal habits to save money without sacrificing what truly matters to you. These habits will empower you to say &#8220;yes&#8221; to what brings you the most joy and fulfillment. Living [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":111082,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-111081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=111081"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/111081\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/111082"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=111081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=111081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}