Episode four eighty debunking the five worst money myths.
Welcome to the Frugal Friends podcast, where you'll learn to save money, embrace simplicity, and live your life. Here your hosts Jen and Jill.
Welcome to the Frugal Friends podcast. My name is Jen, my name is Jill, and today we are talking about money myths, maybe the worst, maybe not the worst, but definitely some of the most common.
As usual, we turn to the Internet to see what they have to say about this, and we actually did like this one article that listed out five, So we're gonna go through those, but also we'll add in a bonus because you know us, we can't stop there. We got to add in our own two cents. We got to.
But first, this episode is brought to you by two truths and a lie. All right, let's play. One. Our book is out now. Two we have not stopped promoting this book for six months. Three we don't care if you buy it.
Oh ding ding ding the last one we care coming correct, We.
Care greatly if you buy it because it supports the work that we do here. And we were not online course giralies. We're not trying to sell all kinds of like digital things online. We're very bad online influencers, but we're minimalist with the things we sell.
We got one way.
Are obsessed with this book. We think is going to change so many lives, and we think the success of it will pave the way for similar ideologies from more diverse voices. It will pave the way for them to come after us, and so we really do care deeply about the success of this book, So we care a lot. If you buy it, it's called Buy what you Love Without Going Broke. It is available now wherever books are sold, and you can head to Buy what you lovebook dot
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There, so yeah, get it please. We're not begging, but we are kind of begging.
Kind of okay, So let's talk about money myths before we list the myths. A couple good episodes to q up after this one episode three sixty five Rich Friend Secrets with Your Rich BFF. Vivian two is probably my next favorite episode to go into after this. Vivian is a gem, She is a treasure, She is just as amazing offline as she is on and she really she
challenges me to expand the way I think. And when you can find a friend that challenges you to expand your ideas and challenges the myths that you have about some things, that's a friend to keep that is a treasure. So, uh three sixty five and then episode two forty four, how to improve your money mindset. We're not woo woo over here on the Frugal Friends podcast. We don't think mindset is the end all be all, but we do think is a strong foundation. So we do think your
brain matters. Yeah, So you can search those numbers on our website Frugal friendspodcast dot com, or you can search the title with Frugal Friends and it'll come up in your favorite part podcast player.
So let's get into this article for today. It comes from Society one and it's called let's bust five Big Money myths, and we're going to go through all five of them and we're gonna bust them. We're gonna bust them to bus Let's bust.
Okay. The first one, rent money is dead money, So renting is throwing money away. And I think we are all at a point where we know that's not true, whether it is by choice or just you can't afford to get a house right now. Rent money is not throwing away money. A lot of a lot of people. Even Dave Ramsey agrees with that. So like if he agrees with it, there's something there, because he doesn't agree with a lot of a lot of care realiti. If not the bonuses, I'm.
Just back up from anything or else solutions. But so home.
Ownership, we still believe that that is a good investment. We still think it's a good goal. Both Jill and I own homes. I own two homes. Real Estate is still a good investment. The home you live in isn't
an investment like people will say it is. But there are so many times where you can get to a point, like closer to retirement, where if things have happened and you weren't able to save enough, your house and the equity in it and the fact that it is paid off can really like save you a lot of money and it can really push you over the edge to
being able to afford to retire. And so while I do not think that it is the American dream and that it will save your life, Like, I don't think it's as important as some people will make it out to be. Still think it's really great, but ultimately, renting is not a bad thing, especially if the security of home ownership is not something you are ready for or want. Frankly, yeah, security is bad. It's more like marriage. Owning a home is like a marriage. I think you're married to that house. Yeah.
It's been a little bit disillusioning to me this process, because it is so talked about, as you know, that's just a step you take. It's a milestone that everyone should be aiming at, and I think I've come to this realization that it might not be for everybody and that's okay, and also wishing that those who are just blindly walking into home ownership that we've been a little bit more primed with knowledge and education about what to expect.
One of the reels that have has been the most successful on our Instagram account in the last couple of weeks is one that we posted about how our mortgage amount is the least amount of money we're going to end up paying monthly for our housing, that the realities of tax increases and insurance increases and just maintenance costs of the home because you're responsible for it all can really cause housing to be exponentially more than maybe you
would have thought when you were signing those papers at the lender's office. So again agreed, I own a home. I think it is it can be a really great thing. But I think just like softening the tone around it and bringing some reality to it is what needs to happen in this space to really level the playing fields here. The second myth on this article that we also agree with is credit cards are better than a personal loan.
And so this is something that we can believe, especially with the zero interest credit cards, that it's better to just put it on that credit card, get the zero interest, pay it off in time rather than taking out a personal loan. And that could be a good theory if
life didn't then come into play. I love the example that they give here of you know, you think that you're going to be able to pay off this credit card in time, and until the card breaks down, or you go on vacation, or various fees, unexpected fees and bills are due, your best friend gets married, or you become pregnant. I love the like crazy example.
That they underdo.
But all of these things can happen and we can become distracted, and especially if we're holding multiple credit cards to kind of pay for different things, this can become really overwhelming. Where the average interest rate for a credit card is between twenty to twenty four percent, whereas the average interest rate for a personal loan is going to be about eight to twelve percent, so less than half most of the time as far as interest rates go
for a personal loan. So if you are in a circumstance where you need to take out a loan, we would agree that it would be better to consider a personal loan. But also we want to be looking at the reasons for taking out loans and be sure that we are ready to incur that type of debt. We will not encourage people to take on debt for holidays or vacations or luxuries, but an auto loan or of
course a mortgage student loans. There are times when debt can make sense, but just to be checking what is my reasoning for needing to take on this debt, what is the most reasonable timeframe that I can pay it off, and what's the lowest interest rate I can get and recognize that if we are not a person who can pay it off in the amount of time needed, that a personal loan can be better than a credit card.
Yeah, this article in full transparency is written by a company that offers personal loans. But I still agree with it, and it in my mind like I would take out a credit card before getting a personal loan because I will think I'm better like I am if I'm instead of doing a personal loan for ten thousand, I'll just take out a credit card with a ten thousand dollars limit because I'm not going to outspend that. But time and time again, we see when there is no lit
like people. When there is a limit, people will spend to that limit. So unless you are able to pay off a credit card in full every month, pay no interest, and take advantage of the rewards on the credit cards, that's another way people think credit cards are better than personal loans. They are equal and they have equal like they have equal but separate uses. So one is not
better than the other, but it can. You a credit card if you are not paying it off in full every month, will one hundred percent cost you more than a personal loan. It just will. So there are if there is something you haven't prepared for and you don't have an emergency fund for, and you're like, oh, I'll just get a credit card and I'll put it on the credit card. That is where I would say, do not look into personal loans first before you try to
get a credit card. But ultimately we hope you will have an emergency fund so that you won't have to resort to a personal loan. But yeah, all right, myth number three, owing on a credit card is the only way to build a credit history or a good credit history. This comes up so often. I think everybody thinks this, and it is absolutely not true. We pay off our
credit card in full every month. The only thing we will pay on it is we have a few that have a ninety nine dollars annual fee, and what we get from it is worth way more than ninety nine dollars, so we will pay that fee annually. But that's it.
No beyond that.
So and we have credit scores in the eight hundreds. So what they want to see is not utilization. That is a part of it. They want to see you stay under a thirty percent utilization, But you do not have to be at thirty percent or ten or twenty to create a good credit history. They would love to perpetuate that myth because it makes them money, right, so they'll never correct you on it. But it's the payments,
the on time payments at least in minimum. Making minimum versus full payments does not change how your credit score would be. If I was making minimum payments every month, it would be the same thing. But by making full payments, I get the same benefits as making a minimum payment, But then I also don't have to pay interest. And it's those on time at least minimum payments that's what
really gets your credit score higher. And it's having a utilization over thirty percent that would lower your credit score. So that's why we say under thirty percent, ideally zero percent every month, and you're going to have and after a while, it takes a little time, after a while, you're going to have a really good credit score. You don't need to pay anybody to do that, unless you need to pick it up real quick, which we don't recommend.
But yeah, don't pay to increase your credit score. You don't need to, especially interest to a bank.
The paying the minimum amount, though, would affect your credit score in the sense of credit utilization. So the components that make up your credit score is your payment history, your credit utilzation, length of credit history, credit mix, and whether or not you are applying for new credit. The top two of those categories is the payment history and the amounts owed. So with the payment history, it's how likely are you to be paying back these loans? Are
you paying on time? Are you making regular payments? So that's thirty five percent of your score is based on that. Another thirty percent is based on the credit utilization, so that's the amount of credit you're utilizing compared to the
amount of credit that's available to you. So this is where only making those minimum payments can come into play, because if you have a credit balance rolling over month to month, that's going to decrease that percentage between the amount that you're utilizing and the amount that you still owe. So if you are able to bring all of your credit cards down to zero, that makes your available credit
even higher, thereby giving you a better credit score. It so one of the reasons that we encourage people when they are looking to increase their credit score that you call your various lenders and ask them to increase your credit limit. That doesn't mean that you want to utilize all that credit. It just puts a bigger gap in between how much you're utilizing and what's available to you
and the other ones. You know, the length of history, how long you've been engaging with credit makes up fifteen percent. Having a mix of different types of credit accounts is ten percent, and whether or not you are engaging and new credit is ten percent new credit. Meaning you don't want to be opening up a lot of credit cards all at once. That is a potential sign that you
are desperate for credit. You need it to get by, So making sure that we are not regularly opening new accounts is also helpful.
Yeah, and as long as long as your credit utilization is under thirty percent, it's going to be the same as having zero percent. But we want you to have zero percent. That's where we're being a little is we want you to have zero percent credit utilization every month so that you're not paint interest to banks.
The next one on this list, number four, is the last one I'm going to mention, and it is a bit more money will make you a bit happier. And this is such a huge topic of conversation that I'm actually going to answer it with some respond to it with some of the things that are in our book.
We talk about Rachel, is the truth? A lot more money will make you a lot happier? Is that the truth?
That is the real truth? Here's the today. This is a myth, but it's also a little bit true. So here we go.
There's a couple of slightly true.
Yeah right, there's something to it. So we talk about this a lot in chapter nine of Buy What You Love Without Going Broke. It's actually my personal favorite chapter, Jens's chapter ten. So you got to get the book and you got to read the whole thing.
Whull thing.
Yeah, but this first, So I'm going to reference two studies. The first comes from Empower Financial, where they talked with over two thousand Americans in all various types of income brackets and ask them what they thought they needed the amount of money they thought they needed to earn in
order to be happy. Every single income bracket thought they needed to earn more, with the top income earners, those making two hundred and fifty thousand dollars or more annually, believe that they needed to make an additional one hundred and fifty to two hundred thousand dollars, so bringing them up to more so the five hundred thousand dollars mark or four hundred and fifty would be what would make
them happier. In contrast, all the other brackets listed about twenty to fifty thousand dollars increase annually would make them happier. I can commiserate with this. I can believe this. At times. I'm more in that lower bracket, Like if I could just make twenty thousand dollars more, I think that would
really you know, set me straight. But the takeaway I think for me in this study is that everyone believes they need more in order to be happy, with the kicker of it being those who make the most think they need nearly double, whereas even those in more of the middle income brackets aren't even list you know, they're not listing double. So that was super interesting to me that those at the top think they need even more.
There's something to consider ponder if you will. Okay, So, then there's this other study along these same lines that talked with these different generations asking them how much money do they think that they would need in order to be happy. Different generations listed out different markers with millennials listing five hundred twenty five thousand dollars would be enough to make them happy. And here's the thing. There was
some adversarial research that happened. There was a study that came out at one point that listed happiness actually does increase as your income increases or satisfaction increases up until a certain marker, and that marker at the time was
sixty thousand dollars. They decided to revisit this research because they were finding some different takeaways from the study, and so these two researchers collaborated to relook at the results of the study, and what they actually found is that satisfaction increases up until the five hundred thousand dollars mark. Very interesting that the millennials were kind of on point there with our guesses on how much money would I
need to earn in order to be happy? Yeah, so, and then that was the plateau that once people reached that five hundred thousand dollars mark, more money did not increase their level of satisfaction. That was kind of the enough mark. But what's also interesting here is that it did not increase levels of happiness or satisfaction for those
who were already dissatisfied, discontent, unhappy. So you needed to already have some level of satisfaction, contentment, and happiness at your current level of earning in order for more earning to be able to increase that satisfaction. It's not an automatic. More money is going to change your outlook on life or your level of contentment. So there's the kind of
yes and no to it. And I think the important takeaway with this one when it comes to this myth is how do we find contentment and enough in our current circumstances so that we take that attitude, that mindset, those practices and habits with us into higher earning brackets as we're able to achieve them.
My favorite example that we did not actually get to use in the book is of the Adam Sandler snl skit where he is a travel agent or travel tour guide. He's a tour guide in Italy and he's saying one thing I would like to tell to you is that Italy will not make you happier. If you are sad in America and you come to Italy, you will be sad in Italy. If you are happy in America and you go on vacation in Italy, you will most likely
be happy in Italy. And just saying like, it's not the vacation, it's not the money, it's not the stuff. Like if you're sad with a little, you're gonna also be sad with a lot, just like out of bigger with more stuff. So figuring out like how do I, how do I cultivate joy, happiness and contentment without complacency, so that we're still we're still growing, We're still exercising those higher needs, which are creativity and innovation and respect
without letting them control us. The next myth is, well, high income earners are wealthy. So this is it's okay, so this is a little this is the last one on the list, and it's saying so this is an Australian company. It says in Australia, people who earn more than one hundred and eighty thousand dollars a year are in the top tax bracket. But even if you make enough to fit this, it doesn't necessarily mean you are wealthy. If you spend all your income, you will not build wealth.
And this is so true. I think we've all seen I just saw a quote from Oh my gosh, Jim Carrey who retired from acting and then they asked him. They gave him a ridiculous sum of money to come back for Sonic, and they're like, why'd you come out of retirement And he's like, Frankly, I bought a lot of stuff and I need money. Kind of like tongue
in cheek. But there's a little bit of truth to every joke, right, And we all know that Jim Carrey is probably not struggling for income, like he's made a lot so, but that doesn't necessarily mean he's invested it well for passive income and growth. So time in the market beats timing the market or even income. We've all seen these charts where somebody who invests from twenty to twenty five and then never invests again and retires at sixty five has more money than somebody who starts at
twenty five and invests too. I think it's forty five or fifty or just all the way up until retirement, same amounts invested monthly. But the person who has more time in the market out earn like out earns in interest and growth the person who waited. And so obviously we all can't go back in time and invest you know, at twenty years old, but it is true the math maths that it is truly where you choose to invest and how you choose to invest your savings that dictates
your wealth versus income. I'm also like looking at studies right now showing how business owners, just time and time again become more wealthy than w two employees, even lawyers, doctors, these so called high income earners. And so it's just a testament to being wise about how you where you put your money, and obviously controlling your spending will help you have a more margin to invest.
The Psychology of Money book was helpful for me with this concept. In particular, it wasn't really encouraging to me, kind of a typical middle income earner to know that I can still build wealth even without a high income. That there is so much thought that, oh, you can only do these things, you only have access to some of these wealth building resources and opportunities if you make
a lot of money, and it's just not true. It might be easier for people who make a lot of money if that's what their sites are set on, but for many it's not. Their lifestyle will just creep up to meet the amount of money that they make. And so we have the same ability as high income earners to just make wise spending and investing and saving decisions. And so we can start now and they will follow with us if we do end up finding ourselves making
more money. And now for our bonus, the article is done. But from our perspective, one of the money myths that we've been identifying and talking about a lot lately we also talk about in our book is this binary that we've been sold that we are either spenders or we're savers, and that it's a personality trait that you're born with and you either spend or you save, and we say
we all spend and we all should save. That this is something that we should find ourselves on the spectrum entirely, and that if we don't feel like we are good at spending money or understand the mechanics of it in ways that are going to benefit us, we can build that skill and we can also build the skill or just automate our savings. And so really identifying a both and here rather than an either or.
Yeah, And I think when we take away this identity of spender, it gives us more power to spend wisely and know that everybody spends, everybody saves. It's not who we are, it's what we do. Spending is not who we are, much like skating skating is not who we are. Skateboarding skating skating is not who we are, It's what we do. Thank you Brink, Thank you Andy Brink.
Brinker.
Uh so, yeah, it empowers us to spend on what we want and not rationalize it or justify it. Spend on what we love and say more confident knows to the things that we don't love.
That's beautiful. And you know what else is beautiful that I can feel confident about that I do love.
No myths here, just truth, just honest, authentic truths.
The bill of the week.
That's right, it's time for the best minute of your entire week. Maybe a baby was born and his name is William. Maybe you've paid off your mortgage. Maybe your car died and you're ha, we did not have to pay that bill anymore. That's bills, butffalo bills, bill claim. This is the bill of the week.
Hi, Jen and Jill. My name is Sarah and my bill of the week is officially paying off my debt. Of twenty two thousand, nine hundred and fifty one dollars. This debt was acquired from pet care surgeries, a new couch, a ten thousand dollars time share mortgage, and out of pocket nursing school tuition not covered by government loans. I'm from Michigan and I've been a loyal listener for the past year and a half. I began my payoff journey
last September by implementing a values based spending mindset. In April, I got serious and began bi weekly debt payments and automatic deposits into my new High Old Savings account. My final payment was a balloon payment of twelve thousand, eight hundred and thirty two dollars when I realized some of my high Old DAMS account savings were better allocated to debt payoff. I want to say thank you to my frugal friends, and I look forward to calling back when my student loans are paid off.
Child for no.
Yes, congratulation, Yay Sarah.
You did it, you made it, and you did it, and you did all the things.
Get it down.
We're svalidating with you.
Yeah, I mean debt free songs. If you've paid off your debt and you want a debt free song, leave a bill of the week and we will sing you a debt free song. That's it.
That's me thing on the spot.
Yeah, I don't care. When you've paid off your debt, just call in and tell us about it, and we will sing you a debt free song.
You just hopefully we'll remember that we made that promise.
But I'll never forget, Jill, I'll never forget about debt free songs.
Good. I love the reference, Sarah to values based spending and how this was helpful to you in your debt payoff journey. Also the high yield savings account. Don't that that's just a great old hack and well done, and how great this feels. And we would love to hear from you when you do finally get your student loans paid off. That's so exciting.
Debt yeah, yeah, day spending, Get it out here, get it out it gone.
If you are listening, and again, if you want to spit your bill of the week, if it's a bill about debt freedom and you want us to sing, or if it's a bill.
Or you don't want something else, we never sing again either.
It will work. Frugal Friends podcast dot com slash Bill can't wait to hear it, and now it's time for don't like me.
All right?
Looking back, what's the worst financial tip you ever believed was good advice? Jill boom boom boom.
For me, personally, it was cutting up my credit cards. I did that. I did that thing. I was a part of that movement, that group think experience.
Where fall Jill careful huh.
Where scissors were passed around and you were pure pressured to getting rid of your credit cards. And while I think that it can be a good place to start for some people, it can be a trap for many people to utilize credit cards. You know, us the frugal friends. We are out here being flexible and individualized with our understanding of personal finance, and that this doesn't have to
be the case for all people. There is a responsible way of engaging with credit and credit cards, and that a good credit score does matter for us low to medium income earners. We have to engage in credit if we want to be driving around out here keeping a roof over our heads, like there isn't a world where we can show up to lenders with zero credit and expect it to go well. Or easy for us. So yeah, that's my two cents on that one. And I did
not live that lifestyle for long. I quickly learned that I can manage a credit card, I can pay it down to zero every single month, and I can enjoy the benefits of a credit card. So for me, that wasn't great financial advice. I think learning the skill of managing my money would have been better for me at that stage, rather than believing that, like, I just can't do this, I'm incapable of being responsible. It's just not true.
Yeah, we never got rid of our credit card. We always kept it on the silent DL and felt a little shame about it, which I think is so gross. But there are times where it does behoove you to cut up your credit card until you have reached a point where you can use credit cards responsibly, and that comes from learning the skill of spending, so that that is the real thing to focus on, not the credit cards. So there's a time and a place for it, but
they are not evil. I think mine was that debt is dumb, that mareful, I know urful.
I know.
That made me feel dumb knowing that debt is dumb, and I went into debt willingly. It made me feel dumb, and that led me to be influenced to stay in this very I have been learning that I am stuck in a very middle class mindset that keeps me stuck in the income bracket that I am currently in, and that I am responsible enough with money to use debt wisely. And I can experiment and I can play, and I can make mistakes and I can come back from them.
And thankfully we haven't made any mistakes yet because we're competent and we're cautious, and we're not like gambling, you know, with our with our also learn from mistakes, like it's not bad right fail either.
I don't think we have to be so afraid of ourselves failing, because we will learn and we will adjust from there.
But I am still living with this internalized like nobody taught me about money, so I am dumb and I am always learning. Which is so funny to have written a personal finance book and lead a personal finance podcast, But it's why we don't talk about like starting businesses. Right. We stay in our lanes where we feel confident, where we feel like experts. And I am starting to explore other areas that I did not feel not worthy. But what would be the right word. I don't know.
Maybe that is capable, Yeah, to find yourself in that space.
Yeah, but some of it may have to do with worth. Yeah. So I think that has been Uh it was a gateway that was helpful at first but ended up being extremely detrimental in the long run.
I do think what we're both describing here is that concept of shoe hari that we also talk about in our books.
We've talked about several times in interviews lately. That's been something that coasts have brought up, right, And so it's this concept. It's a martial arts concept that speaks to shoe meaning follow the rules, ha, break the rules, retranscend the rules. And so initially with anything, it's it's talking
about skill building. So with anything that we are learning or wanting to become competent, and we choose one quote unquote master, one teacher to follow, and we follow them without question, and we do exactly as they tell us to do until we start to kind of understand the components and the dynamics of that skill and we start to feel competent. And it's at that point we can move into the.
The ha part of it, where we are bringing in maybe some other voices, starting to learn some other types of techniques, ways of looking at the skill, trying our hand at a few different things, and then we can find ourselves at a point of re this kind of transcendence where we make the skill our own. We understand
the mechanics of it so much. We've listened to so many different people, heard from so many different perspectives that we now have our own unique perspective on it, way of individualized implementation that we feel really good, competent and adept at. And we believe that this is the same for personal finance management as well as the skill of spending. That you can tell for both Jen and I we followed one person in the beginning, and that's great, there's
nothing wrong with that we do. We would encourage people find who that is, someone that you resonate with, follow them implicitly, but don't stay there. There is then a time and a space where you start to feel my muscles are growing here? What else can I incorporate into this, listen to some other people, practice the skill in new ways, and eventually make it your own. And I think that
that's where we have found ourselves. You can hear it in the podcast of We're looking at this article, but we're adding in our own tips and tricks with this as well. We did at one point believe debt was done. We did it. I did at one point cut out my credit cards, but I don't think that that's the pathway for me individually now that I have grown my
muscles in this skill set. So I hope that that's an encouraging and helpful framework for you all, wherever you find yourself, that it is okay and write and good to start with one teacher, but don't stay there, keep moving on, keep listening to other voices. There's plenty of us out there and room for more. We hope more people write books on this topic, make podcasts on this topic, give us resources on this thing. So thanks so much
everyone for listening. We've had a great time hanging out with you all, and we also love reading your kind reviews like this one from send one, two three seven. It says enjoyable and informative. Started listening after hearing Liz from Liz gets Loaded recommended this podcast. Wow, easy to listen to and very relatable. Lots of great ideas to incorporate saving into your life.
Well, thank you, Liz gets loaded and send one, two, three seven. We appreciate that so much. And if you enjoyed this show, please take a minute to leave a rating and review on Apple Podcasts or a rating and comment on Spotify. It helps people see who's recommending the show and who the show is helping, and let's potential new listeners know what it's all about.
Thanks so much.
Google Friends is produced by Eric Sirianni.
As we're recording this, we only have a few more scheduled interviews to promote our book for Yeah.
For twenty twenty four, we will end the year with fifty interviews for podcasts on other people's podcasts, Yeah, on other people's podcasts, at least three interviews with.
Different like media like our writers for newspapers and articles.
I don't know if you so, but that would be one hundred and fifty four podcast episodes recorded this year, because we'd have one hundred and four of our own show and fifty on other shows. Wow, one hundred and fifty four podcast episodes one hundred and fifty four hours essentially of talking.
I think that makes us professionals.
It should. I think it definitely makes us masters of the craft. I think we have transcended podcasting as well, like designing our own thing. Yeah, we are absolutely doing our own things, like making songs for people who pay off debt.
That just happened. That's USA.
We are innovating. And so you look at the places where you are, where you are a master, and just innovate. Just do it and don't ask for mission. Just start saying to it.
I love that. It's just start singing.
That has to be the thing is song dance, and don't stop until somebody asks you to stop.
There you go, and make sure they also assert their voice. Yeah, and you know what, just keep dispelling myths, myths. Bust these myths, refuse the binary, go for the both and find the radical middle. Embrace frugality, live a richer life.
Wow, it's like.
Like we're trying to kill time. Oh, actually, we don't have to do that anymore. We just yes, yeah, I don't need to fill a buster anymore. Here we go by