Podcasts about frugal

Learn how to build a budget with room for fun so you can save money without guilt. How can you save toward big goals without letting frugality turn into burnout? How do you stop shaming yourself for spending on fun? Hosts Sean Pyles and Elizabeth Ayoola respond to a listener named Michael who's skipping trips, staying in, and feeling guilty whenever they spend. Joined by personal finance writer Kim Palmer, they unpack frugal fatigue and money shame, explore how “money stories” and scarcity mindset can fuel obsessive saving, and share practical ways to budget for joy. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Slow Living - what do these words mean to you? For me it's about cultivating a mindset not an aesthetic. Join me as I share how slow living has reshaped life, my perspective and softened the way I interact with myself and the outside world. Slow Living isn't just about romanticising your life, it's about slowing down long enough to notice what you truly value and enjoy, and how to bring more of this into your life. If a calmer, joyful and more fulfilling way of life appeals to you, you don't need to wait, you can start right now.For more of my content find me on SubstackFeel free to get in touch on Instagram, facebook or email:rootedbynaturepodcast@gmail.comSend a text

How to Move to Mexico: Visas, Costs, Taxes, and the Best Places to Live Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle. For someone in the southwestern U.S. (like Arizona), Mexico is especially appealing because you can often drive instead of fly, keep close ties with friends and family, and still feel like you've made a big lifestyle upgrade. This guide walks through why and where to move, what it really costs, how visas work, how Mexican taxes function, when you might owe them, and other real world considerations that don't always show up in glossy travel articles. ________________________________________ Why move to Mexico? People move to Mexico for a mix of financial, personal, and lifestyle reasons. You can open this section with a simple story: for example, a couple selling a house in the U.S., paying cash for a home or condo in Mexico, and cutting their monthly expenses nearly in half while eating better and traveling more. Key motivations to highlight: Lower cost of living Mexico's overall cost of living is significantly lower than in the U.S. Rents in many Mexican cities are substantially cheaper than comparable U.S. cities, groceries and fresh produce are affordable, and services like cleaning, childcare, and home repairs cost far less. A couple who spends 5,000 USD per month in the U.S. can often live comfortably in Mexico on 2,000–3,500 USD per month, depending on city and lifestyle. Proximity and connectivity Unlike moving to Europe or Asia, living in Mexico means you're usually one flight away from your U.S. hometown. Major cities like Mexico City, Guadalajara, Monterrey, Cancún, and Mérida have robust air connections. Internet infrastructure has improved a lot; mid size cities now often have fiber optic service, making remote work highly feasible. Lifestyle and climate variety Mexico is huge and geographically diverse. You can choose from: • Coastal beach towns with surf culture and sunsets • High altitude colonial cities with spring like weather • Mega cities with world class dining, museums, and nightlife • Smaller, artsy towns with vibrant local traditions You get to decide whether you want small town community, cosmopolitan buzz, or something in between. Culture, food, and community You'll never run out of festivals, markets, and regional dishes. For many expats, the biggest upgrade isn't just cheaper rent, but living in a place where there's always music in the plazas, food in the streets, and a sense of community. In many popular locations, there is also an established expat network to help you orient. Healthcare Private healthcare in Mexico is dramatically more affordable than in the U.S. Many expats pay out of pocket for routine care and buy local or international health insurance for major events. In larger cities you'll find modern hospitals and specialists, and in some cases doctors who trained abroad. ________________________________________ Where to move in Mexico Mexico isn't a single experience. Moving to Oaxaca is very different from moving to Mazatlán or Guadalajara. This section should help you “try on” a few places in your imagination. Mexico City Vibe: Big city, cosmopolitan, urban energy. Pros: World class restaurants, museums, art, music, and nightlife; excellent air connections; plenty of coworking spaces and job opportunities with international companies. Cons: Higher rents than many other Mexican cities, traffic and air pollution, security can vary by neighborhood. Mexico City suits people who want an urban life and don't mind density. It works well for younger professionals or creatives, and for remote workers who want big city culture at a lower price than New York, LA, or San Francisco. Guadalajara Vibe: Large city with a strong tech scene and traditional Jalisco culture (mariachi, tequila). Pros: Big city services without quite the chaos of Mexico City, growing startup and tech ecosystem, nearby towns and lakes for weekend escapes. Cons: Some neighborhoods can feel sprawling; traffic is very real; summers can be hot. Guadalajara is a good fit for remote workers and entrepreneurs who want a mix of modern infrastructure and traditional Mexican character. Lake Chapala (Ajijic/Chapala) Vibe: Classic retiree and snowbird destination near a large lake. Pros: Mild climate, large English speaking expat community, social clubs and activities, walkable village feel in places like Ajijic. Cons: Heavy expat presence can make it feel less “Mexican” to some; limited big city amenities compared to Guadalajara. This area is ideal for retirees who want community, comfort, and a gentle pace of life within reach of a major city. San Miguel de Allende Vibe: Picturesque colonial city, artsy, charming, and heavily international. Pros: Beautiful historic center, strong arts and cultural scene, plenty of restaurants and galleries. Cons: One of the more expensive inland cities; tourism and expat presence drive up housing costs. San Miguel appeals to people who prioritize aesthetics, architecture, and culture and are willing to pay a premium. Querétaro Vibe: Clean, orderly, fast growing city with industry and a large middle class. Pros: Safe reputation, good infrastructure, beautiful colonial center, strong job market in manufacturing and services. Cons: Less “touristy charm” in some newer suburbs; housing prices have been rising with growth. Querétaro works well for families and professionals who want a modern, organized city with good schools and services. Puebla Vibe: Historic, livable city with serious food culture and nearby nature. Pros: Gorgeous colonial architecture, famous cuisine (like mole poblano), access to mountains and smaller towns, a mix of traditional markets and modern malls. Cons: Higher altitude and cooler winters than coastal areas; still under the radar for many expats, so less English support than in Lake Chapala or San Miguel. Puebla suits people who love culture, gastronomy, and city life but don't need a huge expat bubble. Oaxaca City Vibe: Cultural and culinary capital with strong Indigenous traditions and arts. Pros: Outstanding food, vibrant markets, year round festivals, access to mountains and rural communities, often lower rents than more famous expat hubs. Cons: Smaller airport and fewer direct international flights; infrastructure can be a bit more rustic compared to megacities. Oaxaca is great for people who want deep culture, don't mind a bit of grit, and prefer authenticity over polish. Mérida and the Yucatán Vibe: Colonial city, family friendly, often cited for safety. Pros: Strong sense of community, rich history, cenotes and beaches nearby, growing expat scene. Cons: Hot and humid much of the year; air conditioning can be essential. Mérida appeals to families, retirees, and anyone who wants a mix of culture and relative safety in a warm climate. Puerto Vallarta / Riviera Nayarit Vibe: Beach town/medium city with a strong expat and LGBTQ+ community. Pros: Ocean, sunsets, whale watching, strong tourism economy, many English speaking services, international airport. Cons: Housing and dining in tourist zones are more expensive; high season crowds; summer humidity. This is an easy landing spot if you want a beach lifestyle and community support from day one. Mazatlán Vibe: Working port city with long beaches and a growing expat presence. Pros: Ocean side living, more “local” feel than some resort towns, improving infrastructure, cost of living that can be lower than in ultra commercial tourist areas. Cons: Humid climate; parts of the city feel industrial; some areas are still rough around the edges. Mazatlán is appealing if you want the Pacific coast without the heavy commercialization and highest prices of places like Los Cabos or Cancún. Place Vibe Big Pros Main Tradeoffs Mexico City Mega‑city Culture, jobs, flights Cost, traffic, pollution Guadalajara Big, traditional Tech scene, culture Sprawl, traffic Lake Chapala Retiree village Mild climate, expat community Fewer urban amenities San Miguel Artsy colonial Beauty, culture Higher housing costs Querétaro Modern, orderly Safety, infrastructure Rising prices Puebla Historic, foodie Cuisine, architecture, nature nearby Less expat support Oaxaca City Cultural hub Food, festivals, affordability Smaller airport, rustic edges Mérida Warm, family‑oriented Safety, history Heat and humidity Puerto Vallarta Beach city Ocean, expat support Tourist prices in key areas Mazatlán Port/beach city More local feel, coast Humidity, some gritty areas ________________________________________ Cost of living in Mexico Readers want numbers, but it's better to provide realistic ranges and examples than a single “magic” figure. Basic cost structure Housing Rents vary wildly by location. A modest one bedroom in a non touristy city might rent for the equivalent of a few hundred dollars per month. In upscale neighborhoods of Mexico City or popular beach towns, modern apartments can cost as much or more than many mid tier U.S. cities. Utilities and internet Electricity is affordable unless you run heavy air conditioning all year, which you might need on the coasts and in the lowlands. Internet and mobile service are reasonably priced, with fiber available in many urban areas. Food and groceries Fresh fruits, vegetables, and staples are cheap, especially if you shop in local markets. Imported items (certain cheeses, specialty products) are more expensive. Eating at local restaurants and street food stalls is inexpensive; high end dining in major cities is still far cheaper than equivalent places in the U.S. Transportation Public transit, taxis, and app based rides are affordable. Owning a car involves fuel, insurance, and maintenance costs, but these are usually lower than in the U.S. You can often live car free in dense cities like Mexico City, Guadalajara, or Puebla. Example monthly budgets (rough, per household) Frugal single in a non touristy city • Rent (studio/1 bed): 400–600 USD equivalent • Utilities and internet: 70–120 • Groceries and local dining: 250–350 • Local transport and misc.: 100–150 • Total: roughly 800–1,200 USD per month Comfortable couple in a mid range city • Rent (nice 2 bed apartment): 700–1,200 USD • Utilities, internet, mobile: 120–200 • Groceries and eating out several times a week: 400–600 • Health insurance (local or international): 200–400 • Transport, entertainment, gyms, etc.: 200–400 • Total: roughly 1,600–2,800 USD per month Beach town or premium neighborhood living In high demand areas (like parts of Puerto Vallarta, San Miguel de Allende, or prime zones in Mexico City), you can easily spend 2,500–4,000 USD per month or more for a couple if you choose modern housing, eat out frequently, and live a more upscale lifestyle. Startup costs Don't forget one time or irregular costs: • Visa fees for temporary or permanent residency • International flights or moving your belongings • First month's rent plus deposit (sometimes more for furnished places) • Basic furniture and household goods if you're not renting furnished • Car purchase or import (if you choose to have one) Encourage readers to arrive with a cash cushion: at least 3–6 months of living expenses plus relocation costs. ________________________________________ Visa options and residency paths Mexico's visa system offers several ways to stay, depending on your plans and finances. Tourist stay Many foreigners enter Mexico as tourists without a visa and receive permission to stay up to a certain number of days (often up to 180 days, but it is not guaranteed). A tourist stay: • Does not allow you to work for Mexican employers • Does not let you access local residency benefits • Is not meant as a long term “back to back” solution Tourist entries are good for exploration trips but not for a full time move. Temporary resident (Residente Temporal) Temporary residency is the most common path for people who want to live in Mexico for more than six months without immediately going permanent. General characteristics: • Usually granted initially for 1 year, with the possibility to renew up to 4 years • Allows you to live in Mexico full time, open local bank accounts, and sometimes get local health coverage • Does not automatically grant permission to work; if you plan to work in Mexico you need work authorization attached to your residency Most temporary residents qualify via financial solvency (proof of income or savings). Typical recent numbers: • Monthly income requirement: roughly in the low to mid 4,000 USD range for the last 6–12 months, depending on the consulate • Savings/investment requirement: often in the high five figures to low six figures in USD equivalent, again varying by consulate Each Mexican consulate sets its own exact thresholds and evidence rules, so readers must always check with the specific consulate where they'll apply. Permanent resident (Residente Permanente) Permanent residency is ideal if you plan to live in Mexico indefinitely. Characteristics: • No need for frequent renewals • Lets you live in Mexico as long as you like • Often used by retirees or those with strong ties to Mexico (like family connections) You can qualify either: • Directly from abroad if you meet higher income or savings requirements, often thousands of dollars more per month than temporary residency; or • By first holding temporary residency for several years (for many, 4 years), then converting to permanent status inside Mexico. Again, the exact thresholds and documentation depend on the consulate and can change year to year. Work visas and business If you plan to work for a Mexican employer or run a Mexican company that needs your presence, you need proper work authorization. Basic ideas: • A Mexican employer can sponsor you for a temporary resident visa with permission to work if they are registered with the immigration authorities. • You cannot legally work in Mexico for a Mexican entity on a tourist visa. • If you intend to start a business (for example, a hotel, restaurant, or tourism operation), you'll need legal and tax advice to structure it correctly and secure the right visa. ________________________________________ Visa process: step by step overview You can treat this as a checklist. 1. Clarify your plan Decide how long you want to stay and whether you'll work, retire, or just live on savings or remote income. That determines whether you need temporary or permanent residency, and whether you need work authorization. 2. Choose a consulate and check requirements Review the website of the Mexican consulate you'll use (near your U.S. residence, for example). Requirements vary: one might emphasize income, another savings; some want 12 months of bank statements, others 6. 3. Gather documents Typical documents include: passport, completed application form, passport photos, bank and/or investment statements, pension or Social Security award letters, marriage or birth certificates if applying with family members. 4. Book and attend the consulate appointment You'll have a short interview, submit your documents, and pay a fee. If approved, the consulate places a visa sticker in your passport, usually valid for a limited period to enter Mexico and “activate” your residency. 5. Enter Mexico and finalize at immigration (INM) Within a set number of days after entering Mexico on your new visa (often 30 days), you must go to your local immigration office, complete forms, pay fees, and provide biometrics to receive your residency card. 6. Renew or convert (for temporary residents) Temporary residents must renew before their card expires, often annually at first. After the allowed number of years, many can convert to permanent residency. Many applicants use a local immigration facilitator or attorney, especially if their Spanish is limited or if they have a more complex case. ________________________________________ How Mexican taxes work This is where readers start wondering, “How much are Mexican taxes, and what do they tax?” Income tax (ISR) Mexico has a progressive income tax called ISR (Impuesto Sobre la Renta) that applies to individuals. For tax residents (people who are considered resident in Mexico for tax purposes): • The system uses progressive tax brackets. • Rates start at low single digits on small incomes (around 1.9%) and rise stepwise. • The top marginal rate is around 35% on high incomes (at several million pesos per year). • Most employment income is taxed through withholding by the employer, with an annual true up in a tax return. For non residents (people who are not tax resident in Mexico but have Mexican source income): • There is usually an exemption for a small initial amount of income. • Above that, one common pattern is 15% tax on mid range income and 30% on higher income, depending on the type and level of income. You don't need to quote exact peso thresholds to readers; it's enough to say that most ordinary incomes are taxed at moderate rates, while high incomes pay up to about 35%. What income do they tax? For Mexican tax residents, Mexico generally taxes worldwide income: • Wages and salaries from Mexican or foreign employers • Self employment and business income • Rental income from property in Mexico or abroad • Interest, dividends, and capital gains • Some pensions and retirement income, depending on the source and treaties For non residents, Mexico usually taxes only Mexican source income: • Income from work physically performed in Mexico • Rental income from Mexican real estate • Business profits from a Mexican business or permanent establishment • Some Mexican source interest and dividends If your readers are U.S. citizens, remind them: they must still file a U.S. tax return even if they also become Mexican tax residents, and they may be able to offset Mexican taxes through tax credits or exclusions. Value added tax (IVA) Mexico's sales tax is a value added tax called IVA. • The standard IVA rate is 16%, applied to most goods and services, including many consumer purchases and professional services. • There is a reduced rate (often around 8%) in certain border regions to promote competitiveness. • Some items are zero rated or exempt: many basic foods, some medicines, exports, certain types of housing, and some education and health services. As a consumer, you see IVA embedded in most prices, much like sales tax in the U.S. For businesses (like a hotel or restaurant), you collect IVA on sales and remit it to the government. Other common taxes and contributions Depending on what you do in Mexico, you might also encounter: • Social security contributions for employees (if you work for a Mexican employer) • Property taxes (predial), which are generally much lower than typical U.S. property taxes on a comparable property • Vehicle registration fees if you own a car You don't need to go into detail here, but it's worth flagging that these exist and are part of the overall tax picture. ________________________________________ Tax examples: retiree, remote worker, and Mexican employed American These simplified examples assume the person has become a Mexican tax resident (over 183 days per year in Mexico and/or center of vital interests in Mexico). Real world outcomes depend on exact numbers, deductions, the current year's brackets, and treaty interpretation, so they are for illustration only and not tax advice. Example 1: Retiree getting 30,000 USD/year in U.S. Social Security Assumptions: • 30,000 USD/year in U.S. Social Security, no other income. • Exchange rate of 18 MXN per USD → 540,000 MXN/year. • Lives in Mexico full time and is treated as a tax resident. Key points: • Foreign pensions, including U.S. Social Security, may need to be reported to the Mexican tax authority (SAT) once you are a Mexican tax resident. • In practice, some advisors and expats find that U.S. Social Security and U.S. retirement distributions are primarily taxed in the U.S., with Mexico focusing more on Mexican source income, but the safest assumption is that Mexico can tax worldwide income and may expect you to declare it. How you might explain it to readers: • If you are a retiree with 30,000 USD/year in Social Security and no other income, you will still deal with U.S. tax rules on that income. • Once you become a Mexican tax resident, Mexico may require you to report that income, but whether they actually tax it depends on treaty rules and how your situation is interpreted. • A cross border tax professional can tell you whether you'll see any Mexican tax on that Social Security or whether your liabilities remain mostly on the U.S. side. Plain English takeaway: retirees living on moderate U.S. Social Security often don't get hammered by Mexican income tax, but they should plan on at least reporting their income and coordinating U.S. and Mexican filings. Example 2: Remote American worker living in Mexico, making 80,000 USD/year from a U.S. employer Assumptions: • 80,000 USD/year salary from a U.S. company, work performed remotely while living in Mexico. • Exchange rate 18 MXN/USD → 1,440,000 MXN per year. • Spends more than 183 days/year in Mexico, so is a Mexican tax resident. Key points: • Mexico taxes its residents on worldwide income, which includes your U.S. salary. • If you are effectively working from Mexico, Mexico views that as Mexican taxable employment or self employment income, even if your employer is in the U.S. Approximate effect: • At around 1.44 million MXN/year, you'll be in higher ISR brackets, facing a top marginal rate of 35% on the upper slice of your income and a blended effective rate likely in the low to mid 20% range, after standard calculations. • You still file a U.S. return every year. • You may use the Foreign Earned Income Exclusion and/or foreign tax credits to prevent being fully taxed twice. If you're a U.S. citizen working remotely from Mexico and earning 80,000 USD/year from a U.S. employer, expect to owe Mexican income tax as a resident and still file a U.S. return. The good news is that, with proper planning, Mexican tax you pay can usually be credited against your U.S. tax so you're not double taxed on the same income. Example 3: American earning 60,000 USD/year from a Mexican employer Assumptions: • American citizen employed by a Mexican company, working in Mexico. • 60,000 USD/year salary → 1,080,000 MXN/year at 18 MXN/USD. • Treated as a Mexican tax resident. Key points: • This is clearly Mexican source employment income. • Your Mexican employer will withhold ISR from your paycheck based on the progressive tables, plus social security and other payroll contributions. • At roughly 1.08 million MXN/year, you're again in higher brackets, with an effective tax rate that can land roughly in the low to mid 20% range, depending on deductions and credits. • As a U.S. citizen, you still file a U.S. tax return but can typically use foreign tax credits and, possibly, the Foreign Earned Income Exclusion to avoid paying full tax twice. If you're an American making about 60,000 USD/year working for a Mexican employer, you'll see Mexican taxes withheld from every paycheck and you'll still file in the U.S., but in many cases the Mexican tax you pay will substantially offset what you owe the IRS. ________________________________________ When do you have to file Mexican taxes? Taxes depend on tax residency, not just on immigration status (visa type). When do you become a Mexican tax resident? Mexico may treat you as a tax resident when: • You spend more than 183 days in Mexico in a calendar year; or • Mexico is the “center of your vital interests,” meaning your main economic or family ties are there (for example, your spouse and minor children live in Mexico and you earn most of your income from Mexican sources). Residency for tax purposes is a legal determination, not just a personal choice, so it's wise to consult a tax professional if you're unsure. Filing and paying For Mexican tax residents: • Individuals generally file an annual income tax return, often in the spring of the following year (recent years use April 30 as a common deadline). • Some types of income require monthly provisional payments. • Employers withhold tax on salary, and banks or brokers may withhold on interest and other income. For non residents: • Mexican tax is often withheld at source by the payer (for example, a Mexican employer or tenant), at the applicable non resident rates. A simple rule of thumb for your readers: • If you spend less than 183 days in Mexico per year and don't earn Mexican source income, you usually don't file a Mexican tax return (but you still file in your home country). • If you live in Mexico most of the year, own a business there, or earn income from Mexican property or employment, expect to deal with Mexican tax returns and possibly to be treated as a tax resident. Always encourage readers to get cross border tax advice, especially U.S. citizens who may need to coordinate U.S. and Mexican returns. ________________________________________ Other important considerations Rounding out the blog with practical and cultural issues makes it feel grounded. Healthcare and insurance • Many expats use a combination of local private healthcare and insurance (either Mexican private plans or international expat policies). • Some long term residents enroll in Mexico's public healthcare system, but quality and access can vary by region. • Before moving, review how your current health insurance will work abroad and plan for major emergencies. Banking and money • Most people keep at least one bank account in their home country and open a Mexican account after they get residency, making it easier to pay rent and utilities. • Money transfer services and online banks can offer better exchange rates and lower fees than traditional bank wires. • U.S. citizens must also be mindful of foreign account reporting requirements (like FBAR and FATCA). Renting vs buying property • Renting first is usually smart. It gives you time to test neighborhoods, understand noise patterns, get a feel for the climate, and decide if you really like the city. • Buying property in Mexico can be attractive, especially in less expensive markets, but there are legal nuances, including special structures (like fideicomisos) for coastal and border properties. • Using a reputable notario (a specialized legal official) and real estate professionals is critical. Safety • Safety in Mexico is highly regional and neighborhood specific. Some places are very comfortable for day to day life, while others have serious security issues. • Research specific cities and neighborhoods, use recent data, and talk to locals and expats on the ground, not just headline news. • As in any country, common sense precautions (knowing where not to go at night, avoiding displays of wealth, learning local norms) go a long way. Language and integration • Learning Spanish is one of the best investments an expat can make. Even basic Spanish opens doors: cheaper local services, smoother dealings with bureaucracy, better relationships with neighbors. • Integration means respecting local customs, supporting local businesses, and avoiding “little bubble” lifestyles where expats only interact with each other. Working or running a business • Anyone planning to run a hotel, restaurant, tour company, or other business in Mexico needs clarity on immigration status, work authorization, and tax obligations. • A business that employs locals (for example, a hotel/restaurant concept in Puebla or a tourism operation in Oaxaca or Mazatlán) can be both profitable and socially impactful, but it requires upfront planning with local lawyers, accountants, and immigration professionals. • Operating “informally” or on a tourist visa can create serious immigration and tax problems.

Hello my Cheap Cheetah Family. Can you still be a frugal cheapskate and have fun? Here are some of my thoughts on that topic. Also, for more Cheap Cheetah Money Saving, Making, and Having Fun Ideas.https://thecheapcheetahmoneyshow.blogspot.com/ Have A Great Cheap Cheetah Day! & Save that Money!

Rick on reducing friction and increasing security.  Eric's Amazon Page affiliate link: https://geni.us/5UWTG  AI Robot Free NY Times link here: https://www.nytimes.com/2026/02/12/us/elliq-ai-robot-senior-companion.html?unlocked_article_code=1.L1A.njZ7.t-w1TYh5pU7N&smid=nytcore-ios-share Sign Up For My Free Newsletters: https://www.gardenfork.tv/email/ Here are 2 After Shows for you to check out, please consider becoming a Patron of GF. https://www.patreon.com/posts/138069613  https://www.patreon.com/posts/free-after-show-122506027  Here's one of the many Labs pics I post for patrons: https://www.patreon.com/posts/step-away-and-be-122999799 Please considering supporting the GF world by becoming a supporter on Patreon. You get weekly Labrador and behind the scenes photos and vids, plus the Patron-only GardenFork Radio After Show. :) https://www.patreon.com/gardenfork Check out the new Cool Stuff emails: Cool Stuff #1 https://preview.mailerlite.com/n3c9y8y8a2 Cool Stuff #2 https://preview.mailerlite.com/h7o6t7l9a6 Start your Amazon shopping using our affiliate link: https://geni.us/5UWTG  The Tools I Use: https://geni.us/bXV6a7  GardenFork receives compensation when you use our affiliate links. This is how we pay the bills ;) Email me: gardenfork87@gmail.com Watch us on YouTube: www.youtube.com/gardenfork Music used on the podcast is licensed by AudioBlocks and Unique Tracks ©2025 GardenFork Media LLC All Rights Reserved GardenFork Radio is produced in Brooklyn, NY

Today, I'm pulling back the curtain on the 10 frugal spending habits that can save you serious money in 2026 and beyond. If you think frugality is all about sacrifice or living like a miser, think again. This episode is about reclaiming control...making sure your hard-earned dollars aren't quietly leaving your life without your permission.These habits aren't about being cheap, depriving yourself of fun, or sucking the joy out of your life. They're about making intentional moves that help you master your money, eliminate financial stress, and live a life of choice.I share the traps I've fallen into myself—because, hey, I'm human, just like you. The goal here isn't perfection, it's about catching yourself faster and building in systems that keep you in the driver's seat.IN TODAY'S EPISODE, I DISCUSS:How invisible money leaks (like unused subscriptions) quietly wreck your cash flow and my simple quarterly audit habit to seal those leaksWhy you must annualize every recurring expense before you say yes...no more falling for the “it's only $39/month” illusionTaking the friction out of spending and how to hack your environment so you actually buy less (without willpower)Planning your convenience spending in advance, so you get the joy without the regretDelaying identity-driven purchases by just one pay cycle to break the grip of impulse spendingCapturing margin from every raise or windfall before lifestyle creep “sucks it all up”How tracking your margin (not every dollar) can be a simpler, more effective alternative to traditional budgetingRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things Immediately12 Unsexy Habits That Made Me Serious MoneyWhat The 1% Teach Their Kids About MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Psychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YOnce You Get Rich, Change These 6 Things Immediately: https://youtu.be/exgaT-fho5M12 Unsexy Habits That Made Me Serious Money: https://youtu.be/OjYgoVwFxWsORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Nouveau podcast du 19M dédié à l'exposition Beyond our Horizons : de Tokyo à Paris à la Galerie du 19M à Paris. L'épisode #1 est >ici

Talkback Callers. Morons in the News.   Everyone Needs a Laugh. A Weird Request

Neste podcast: Reunião do Clube do Livro do Dados Críticos sobre o livro O Manual do Mago Frugal para Sobrevivência da Inglaterra Medieval, de Brandon Sanderson. Discutimos na reunião o que achamos da leitura dos livros, além de abordar pontos da escrita, construção de mundo o outras críticas.Aviso: Contém Spoilers!Participantes:Carol Canellas:@carolcanellas.artFelipe Moura: @felipemourasousaIgor Teuri:@dadoscriticosEssa reunião aconteceu em Julho de 2025.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Compre o livro pelo link de afiliado: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/4rSCOULEnvie sua história, sugestão, dúvida, crítica para o email:Email e PIX: dadoscriticos@email.comASSINE O APOIA.SE:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://apoia.se/dadoscriticos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠REDES SOCIAIS:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/dadoscriticos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠NÃO CLIQUE AQUI!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cutt.ly/faleipranaoclicar⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caixa Postal:Igor Téuri - Dados CríticosCaixa Postal 5078 - CEP: 31611-970Belo Horizonte - MGMusic by► Streambeats► Vindsvept

5 frugal ways I save (millionaire edition) Mark Tilbury firmly believes that anyone who learns the skill sets of a millionaire can become a millionaire, ANYONE. Mark Tilbury left school at 16 with no qualifications and no money. Now he runs a multi-million dollar business & has grossed over 50 million. He has the house of his dreams and most importantly, the freedom to spend time with his family. Now Mark wants to help you become financially free as well. Follow the podcast and turn on notifications! Follow @MarkTilbury on Tiktok, YouTube, Twitter & IG Disclaimer: All content rights belong to Mark Tilbury. This Podcast is fan-made. No copyright infringement intended. --- Learn more about your ad choices. Visit megaphone.fm/adchoices

Travis Chappell and producer Eric dive into whether "being good with money" can actually trap you in poverty by over-prioritizing frugality over life enjoyment. They debate Dave Ramsey-style saving vs. smart risks, using real stories like driving cars into the ground and delaying dream purchases until it's too late. On this episode we talk about: Trading mental health for frugality—driving 260k-mile cars as a "badge of honor" that backfires The Porsche 911 regret story: Waiting until 70 to buy your dream car, only to trade it with 2k miles Balance over extremes: Don't YOLO into debt, but don't delay family trips to Europe for "cash-only" rules Giving early and often—tips, GoFundMe, or urges—not rigid 10% church rules or corrupt nonprofits Why tipping feels best (direct impact) vs. tipping culture's annoying expectations at movie theaters Make more money as the real solution: Enjoy now and secure your future without sacrifice Top 3 Takeaways Frugality becomes toxic when it sacrifices mental health—buy the reliable car or family trip if you can afford it now, not at 72. Give generously when led to (tips, personal causes), not from guilt or rigid formulas; build the habit early regardless of income. Money's only value is what you exchange it for—prioritize experiences and peace today while protecting tomorrow by earning more. Notable Quotes "You don't want to wait till you're 72 to drive your dream car, because it's not as fun to drive when you're 72 as it is when you're 41." "If you don't build the habits when you have almost no money, you're probably not going to do it when you have some money." "Money is only useful for the things that you exchange it for." Connect with Travis: LinkedIn: https://www.linkedin.com/in/travischappell Twitter/X: https://twitter.com/travischappell Instagram: https://www.instagram.com/travischappell Other: travischappell.com Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency. Capture leads, nurture them, and close more deals—all from one powerful platform. Get an extended free trial at http://gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

What I've learned from curating items and styling my home, and how I think anyone can have a personalized space that they love and can function well in. Thanks for listening, and please leave a 5-star rating.-Katherinegladercreative.com

★ SOCIAL ★Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.instagram.com/4iexis/Email: chahaotic@gmail.comUn bacio grazie a tutti del supporto come sempre xxx l'editing spero vi piaccia non lo so è che dopo che lavoro tipo sempre ad una cosa, me ne devo quasi sbarazzare postandola lol ma forse dovrei prestare più attenzione a quando posto...buon sabato a tutti...#cultura #attualità #videopodcast #videoessay #offline #videopodcast #perte #youtubeitalia #howtobechic #physicalmedia #media #socialmediamarketing

Today, stand-up comedian and co-host of the Nateland podcast Dusty Slay is joining me in the Tesla to talk about trailer parks, HOAs and what personal finance looks like for a professional comedian.    Next Steps: •

Frugal Friday er en fejring af de små og store valg, vi har foretaget i løbet af ugen og som, på den ene eller anden måde, har sparet på ressourcerne. Enten de fælles ressourcer i form af vores miljømæssige aftryk, eller ressourcer i form af tid, penge og energi i vores egen lille familie.Instagram: https://www.instagram.com/projecthandmade/

Looking to keep more cash in your pocket without overhauling your life? In this episode, I share 8 quick and realistic frugal tips that are actually doable in your every day life.

In a world where climate change is reshaping the way we grow, transport, and consume the things we rely on, understanding the first mile of supply chains has never been more critical. That's the stage where over 60 per cent of risks arise, yet it remains the hardest to measure and manage. In a recent episode of Tech Transform, Trisha Pillay sits down with Jonathan Horn, co-founder and CEO of Treefera, to explore how artificial intelligence is providing clarity, actionable insights, and sustainable solutions for this complex ecosystem.The First Mile and Climate PressuresHorn's perspective comes from a mix of experience: growing up on a farm, studying physics, and working in investment banking. That combination gives him a lens on both the natural systems that underpin agriculture and the data-driven tools that help manage risk.Extreme weather patterns like droughts, heavy rainfall, and hurricanes are putting pressure on crops such as cocoa, coffee, wheat, and soy. The consequences ripple outward: production costs rise, commodity prices fluctuate, and supply chains become less predictable. A simple example illustrates this clearly: certain chocolate biscuits in the UK have moved from being chocolate-filled to chocolate-flavoured, reflecting disruptions in cocoa production in West Africa caused by extreme weather and disease. These changes are not isolated; they affect global markets and everyday products.Turning Data into Actionable InsightsAI can help make sense of the complexity. Treefera, for instance, combines satellite imagery, sensor data, and other datasets to provide insights on crop yields, supply risks, and climate impacts. Horn describes it like a car dashboard: “You don't need to know every technical detail to understand what's happening and act accordingly.”The value of AI lies not in flashy algorithms but in its ability to translate raw data into practical decision-making tools. By analysing multiple signals from weather events to agricultural output, AI can highlight trends, flag potential disruptions, and support planning for traders, insurers, or supply chain managers. The goal is clarity and action, not simply more information.Data, Regulation, and Responsible UseAlongside operational complexity, organisations face questions about data governance. Emerging regulations such as the EU AI Act aim to ensure AI is used responsibly, and companies need to maintain control over proprietary information while leveraging technology effectively. Horn stresses the importance of frugal, transparent AI applications that produce meaningful insights without unnecessary complexity.In practice, this means balancing innovation with compliance: using AI to understand risks, improve planning, and support sustainability without overstating its capabilities or creating new vulnerabilities. The conversation underlines a key point: the impact of AI is most tangible when it's applied thoughtfully, in service of real-world decisions.In short, AI is helping organisations navigate the increasingly unpredictable intersection of climate, risk, and supply chain complexity. The first mile, long a blind spot, is becoming visible not through hype or marketing claims, but through practical, data-driven insight that helps people respond to the world as it is, not as we wish it to be.TakeawaysAI can significantly improve the management of supply chains.Climate change is causing more extreme weather patterns, affecting agriculture.Data sovereignty is crucial for companies to maintain...

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This week, the guys are finally kicking off the new year! Both Josh and Evan are also kicking off a new year for themselves as the birth-month buddies have both bumped up in the age bracket. Josh might've aged out of the "30 Under 30" club, but both guys are still technically in the running for 2026's Time "Man of the Year" award! Both birthday boys discuss some birthday business before breaking down one of Josh's words of the year. So, will he stick to his 'frugal' mantra in 2026? Or has he already redefined it just to mean spending money differently? A true Fact of the Week gets the year off on the right foot, and "sticking it to the man" is still going strong! While the book might shut on This Day in Hear-story, who knows what 2026 will hold!

Seamus O'Rourke offers his take on the stingy people in our lives at this time of year, directing his ire particularly at a ountry that borders his lovely Leitrim.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3382: Vicki Cook and Amy Blacklock break down the subtle but impactful differences between being frugal and being cheap, helping you assess whether your money-saving habits align with your values or if they may be costing more than you think. Learn how mindful spending can preserve relationships, support long-term goals, and still keep your finances in check. Read along with the original article(s) here: https://womenwhomoney.com/frugal-or-cheap-how-to-tell-why-matters/ Quotes to ponder: "Frugality means your spending decisions are aligned with your priorities and values, not going without or suffering because you lack things you need." "Being cheap is being selfish with your money." "Trying to save money can be a real challenge and there may be times where you find yourself being cheap instead of frugal." Episode references: BeFrugal: https://www.befrugal.com Ibotta: https://www.ibotta.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3382: Vicki Cook and Amy Blacklock break down the subtle but impactful differences between being frugal and being cheap, helping you assess whether your money-saving habits align with your values or if they may be costing more than you think. Learn how mindful spending can preserve relationships, support long-term goals, and still keep your finances in check. Read along with the original article(s) here: https://womenwhomoney.com/frugal-or-cheap-how-to-tell-why-matters/ Quotes to ponder: "Frugality means your spending decisions are aligned with your priorities and values, not going without or suffering because you lack things you need." "Being cheap is being selfish with your money." "Trying to save money can be a real challenge and there may be times where you find yourself being cheap instead of frugal." Episode references: BeFrugal: https://www.befrugal.com Ibotta: https://www.ibotta.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3382: Vicki Cook and Amy Blacklock break down the subtle but impactful differences between being frugal and being cheap, helping you assess whether your money-saving habits align with your values or if they may be costing more than you think. Learn how mindful spending can preserve relationships, support long-term goals, and still keep your finances in check. Read along with the original article(s) here: https://womenwhomoney.com/frugal-or-cheap-how-to-tell-why-matters/ Quotes to ponder: "Frugality means your spending decisions are aligned with your priorities and values, not going without or suffering because you lack things you need." "Being cheap is being selfish with your money." "Trying to save money can be a real challenge and there may be times where you find yourself being cheap instead of frugal." Episode references: BeFrugal: https://www.befrugal.com Ibotta: https://www.ibotta.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Skab ny energi, helt uden at købe nyt til hjemmet.Instagram: https://www.instagram.com/projecthandmade/https://www.facebook.com/groups/695182100170790/

The Ringer's Bill Simmons is joined by Max Kellerman to talk about the struggling Clippers and Anthony Davis (3:20). Then, they give Giannis trade advice before discussing the topics Max just missed talking about (40:33). Finally, they talk about life after ‘First Take', boxing, and much more! (01:51:13). Host: Bill Simmons Guest: Max Kellerman Producers: Chia Hao Tat and Eduardo Ocampo Get Gameday Deals all season long only on Uber Eats. Order Now. This episode is sponsored by State Farm®. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit⁠⁠ www.rg-help.com⁠⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

What does your unique beauty look like? What products or rituals help you to look and feel your best?Do your habits add to your self-love or take from it?This is how I approach beauty nowadays. I still love skincare, makeup, and self-care rituals to feel my absolute best, but I used to come at it from a place of deprivation, trying to become someone I wasn't. It took me a while to realize that I need to approach beauty routine from a place of self-love. From being gentler with myself. And once I shifted into that mindset, everything naturally became simpler.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3361: Jen Hayes shares smart, practical strategies for celebrating Christmas joyfully without overspending, from DIY gifts to careful budgeting and bargain hunting. Her thoughtful advice helps reduce financial stress while keeping the season meaningful, creative, and debt-free. Read along with the original article(s) here: https://www.jenhayes.me/have-yourself-frugal-little-christmas/ Quotes to ponder: "Christmas really is a lot of fun so it's all worth it, just follow the tips here to stop yourself from overspending and getting into trouble financially." "You could save a fortune and still get the joy of handing someone a present; they will know you've put the effort in too which is far more special than the amount of money paid." "Instead of spending lots of money on fancy cakes and chocolate, have a look on Pinterest for recipes and make your own." Episode references: DontPayFull: https://www.dontpayfull.com Pinterest: https://www.pinterest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3361: Jen Hayes shares smart, practical strategies for celebrating Christmas joyfully without overspending, from DIY gifts to careful budgeting and bargain hunting. Her thoughtful advice helps reduce financial stress while keeping the season meaningful, creative, and debt-free. Read along with the original article(s) here: https://www.jenhayes.me/have-yourself-frugal-little-christmas/ Quotes to ponder: "Christmas really is a lot of fun so it's all worth it, just follow the tips here to stop yourself from overspending and getting into trouble financially." "You could save a fortune and still get the joy of handing someone a present; they will know you've put the effort in too which is far more special than the amount of money paid." "Instead of spending lots of money on fancy cakes and chocolate, have a look on Pinterest for recipes and make your own." Episode references: DontPayFull: https://www.dontpayfull.com Pinterest: https://www.pinterest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this grab bag mini-ep, listeners send in their commentary on aging parents, Australian pop-culture recs, and shift work. Plus, Doree and Elise talk about money-saving hacks and Elise discusses her teen modeling years. To leave a voicemail or text for a future episode, reach Doree & Elise at 781-591-0390. You can also email the podcast at forever35podcast@gmail.com.Visit forever35podcast.com for links to everything they mention on the show or visit shopmyshelf.us/forever35.Follow the podcast on Instagram (@Forever35Podcast) and sign up for the newsletter at the free tier on Patreon! Hosted on Acast. See acast.com/privacy for more information.

In today's video, I'll be performing an exploratory procedure on the difference between frugal and cheapby reacting to a new article from USA Today. Next Steps: •

We do the Throwback Threesome, a brand new War of the Roses, and more!

We do the Throwback Threesome, a brand new War of the Roses, and more!

We do the Throwback Threesome, a brand new War of the Roses, and more!See omnystudio.com/listener for privacy information.

We do the Throwback Threesome, a brand new War of the Roses, and more!

Are consumers pinching pennies or powering through? In this episode of the Shoe-In Show, FDRA Chief Economist Gary Raines joins Andy Polk to break down the latest data on spending, sentiment, and retail behavior. From diluted toothpaste to record credit card debt, Gary reveals what small signals say about a jittery consumer—and how brands can plan smarter amid economic uncertainty and flawed government stats. Tune in for practical insights, market trends, and strategic takeaways to help you navigate 2026 with confidence. With special guest: Gary Raines, Chief Economist, FDRA Hosted by: Andy Polk, FDRA

10/29 Hour 1: Wizards Lose To The 76ers In Overtime - 1:00 Game Show Giveaway - 16:00 Are The Junkies Becoming Frugal - 33:00

When Boyan Slat found more plastic than fish on a dive in Greece, he asked a simple question: "Why can't we just clean this up?" He was 16. What began as a humble project funded with pocket money has grown into a global initiative, removing millions of pounds of plastic from the world's rivers and oceans in the last decade. But simple questions don't always have simple solutions. As Boyan will tell you, simplicity is hard. Fight the temptation attack the biggest problem first. Relentlessly iterate. And most importantly, let your mission, not the technology, guide your engineering decisions. Read more from Boyan on thefrugalarchitect.com

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3329: Jess Chua's unexpected battle with adult acne became a surprising teacher in frugality and intentional living. Her journey away from expensive, overhyped skincare routines toward minimalist, research-backed self-care reveals how challenges can prompt deeper awareness around consumerism, budgeting, and self-trust. Read along with the original article(s) here: https://budgetsaresexy.com/how-acne-made-me-more-frugal/ Quotes to ponder: "Sometimes, you don't get what you pay for." "The concept of 'less is more' frees you up to focus on the things that matter even more." "When it came to potential purchases, I would keep asking myself: 'Is this something I really need?'" Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3329: Jess Chua's unexpected battle with adult acne became a surprising teacher in frugality and intentional living. Her journey away from expensive, overhyped skincare routines toward minimalist, research-backed self-care reveals how challenges can prompt deeper awareness around consumerism, budgeting, and self-trust. Read along with the original article(s) here: https://budgetsaresexy.com/how-acne-made-me-more-frugal/ Quotes to ponder: "Sometimes, you don't get what you pay for." "The concept of 'less is more' frees you up to focus on the things that matter even more." "When it came to potential purchases, I would keep asking myself: 'Is this something I really need?'" Learn more about your ad choices. Visit megaphone.fm/adchoices

In this cozy autumn episode of The Insomnia Project, hosts Amanda and Marco settle in for a soothing chat about all things seasonal and nostalgic.

Our sponsors help keep this show going. Please be sure to check them out below: Wayfair Cozify your space with Wayfair's curated collection of easy, affordable fall updates. https://tinyurl.com/RVCWayfair Thrive Market Go to https://tinyurl.com/RVCThriveMarket to get thirty percent off your first order, an extra twenty-five percent off thousands of Summer Essentials, plus a FREE sixty dollar gift just for signing up. Episode Description: When is “saving face” just good manners, and when does it cross into dishonesty? In this episode, Emily and Jason explore the delicate balance of protecting dignity in awkward situations. 00:00 Jason confronts John Crist.  07:18 Jason's terrible organization skills.  09:51 Wild + Free 15:18 World Schooling 16:33 Emily humbled.  20:24 Awkward sleeping arrangements 22:31 Saving Face 25:58 Emily is abrasive  28:27 Oversharing 32:04 North Korean Weddings 33:44 Bow Wow scandal 35:32 Looking rich in an airport 38:29 Silly influencers 41:39 Frugal people 43:23 Vulnerability  45:02 We're criers 46:43 Sing together 50:11 Rifle spinning 52:15 We need your opinions Links from the show: Our Korean Wedding Video: https://www.youtube.com/watch?v=DiLGZFRKSvQ Bow Wow's Fake Private Jet Scandal: https://www.complex.com/music/a/treyalston/bow-wow-fake-flexing-plane Shannon Rose Webb, singer of our intro and outro: https://open.spotify.com/artist/16o01TpoG8Ib6RMshXk1yP?si=FTGlZjeZQ3GaPF858Fm7NA Learn more about your ad choices. Visit megaphone.fm/adchoices

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We're not here to take away your favorite things, we're here to help enjoy them without the strain. In today's episode, we're listing down easy swaps that you can do effortlessly to stay in the game. You don't have to do everything on the list but trust that one small swap can make a big difference and big money win!

Angela (52) and Brian (52) have been together since they were teenagers and have raised four kids. Now as they approach being empty nesters, they're stuck in a sitcom-style standoff: Angela loves bargain shopping and dreams of traveling the world, but Brian clings to a decades-old belief that they need $1 million to retire and panics over every pantry purchase. Their net worth proves that they're actually financially stable—but Brian can't shake the fear of not having enough. Can Ramit help them rewrite their roles, align on what retirement really looks like, and find connection beyond coupons and control? In this episode we uncover: • Why Angela believes they're ready to retire—and why Brian is convinced they're still broke. • The decades-old advice Brian can't shake—and how it's been quietly dictating their entire financial life. • The performance dynamic they've fallen into—and how it's masking deeper emotional needs. • The stark difference in how they define a “Rich Life”—and what's missing from both visions. • How Angela uses frugality to feel responsible—and the cost of that invisible labor. • The moment Brian saw their actual net worth, and why it didn't change how he feels. • What happens when couples keep score with their sacrifices—and how it erodes connection. • How fear of losing control is stopping Brian from building the life he actually wants. Chapters: (00:00:00) “I've been chasing that number since I was 18” (00:04:11) The emotional cost of saying no to everything (00:19:08) Ramit breaks down their numbers (00:29:21) “Why do we need eight jars of peanut butter?” (00:40:57) Trapped in the “justifier” and “decider” roles (00:50:34) Frugal lives, empty spaces (00:58:01) “I think we've just kind of… drifted” (01:06:04) How much is enough to retire—and what would make us feel safe? (01:18:42) Where are they now? Angela and Brian's follow-ups This episode is brought to you by: LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT Leesa | Go to https://leesa.com for 25% off sitewide PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners. Upwork | Visit https://upwork.com/save to get a $200 credit to put towards your next freelancer to help grow your business. Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Links mentioned in this episode • Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.