Podcasts about Frugality

In this episode, Dr. Cherry honors Warren Buffett by breaking down his famous investment strategies and clearing up common myths. She explains why understanding frugality, cash flow, and thinking long-term are crucial for growing wealth. Dr. Cherry also points out how individual investors differ from big institutions, especially when it comes to risk and timelines. The talk ends with a powerful reminder: mindset and education are the real keys to financial success.Takeaways:• Spend less, invest more• Cash flow builds wealth• Think long-term always• Stay ready for opportunities• Mindset drives successWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice services.Grab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

Frugality is not a dirty F-word that so many people associate it with. In this episode, we are chatting about the heart of what frugality means to us (our “frugal manifesto” if you will!). We're flipping the script on frugality and ditching the idea that it’s all about restriction. Instead, we’re talking about how being intentional with our money, time, energy, and space can actually lead to a fuller, more satisfying life.

TIME STAMPS:00:56 About Casey Aiken and the Kirby Creek .Lodge / .Listeners you can follow Casey @kirbycreeklodge / @thecaseyaiken / 208 839 225510:35 Casey's results on the LION DIET with Coach Colt!15:00 Diet sodas and other “keto” treats - thoughts on how it affects humans in context of what a proper human diet is. 21:22 Books, podcasts and courses Casey is using to continue to educate his carnivore journey. 28:00 FRUGALITY - best deals and ways to make your diet AFFORDABLE!39:08 Advice on cooking food for other people that isn't in your meal plan!48:00 How to cook a LEGENDARY FILET MIGNON!01:02:00 EXCITING EVENTS (including a MEAT-UP?!) coming up at the Kirby Creek Lodge!01:06:40 Reading, prayer & discussion over Revelation 1:1-11. 01:18:20 Podcast Review & Athlete Spotlight - thank you Chris (Ontario, Canada) & Jasmine (Melbourne, Australia) / IG @ chrisvione @ pompom_ponyo Have you hear.d about our NUTRITION PODCAST? Carnivore Coaches Corner is the #1 bodybuilding podcast in England, hosted by professional bodybuilding coaches Colt Milton and Richard Smith. Listen to these crazy gentlemen on Spotify or any podcast platform

Have you ever felt like the cost of living is rising faster than your income—and wondered how anyone is managing to get ahead right now? In this episode of It's a Mindset, I'm joined by Serina Bird—also known as The Joyful Frugalista—who's built a multimillion-dollar portfolio through intentional frugal living and smart investing. She's the author of The Joyful Frugalista and How To Pay Your Mortgage Off in 10 Years (a finalist in the 2024 Australian Business Book Awards), and she's the host of the Joyful Frugalista podcast. Serina proves that frugality doesn't mean going without—it means being values-aligned, community-focused, and intentional with your money. Her approach really resonated with me, especially her belief that true wealth isn't just financial, but emotional, spiritual, and communal. We also explored the mindset behind money goals, the impact of wage stagnation, and how mindful living can bring true abundance. Serina's wisdom comes not only from her financial success but also from her personal journey of resilience and empowerment, making her insights even more powerful. Key Episode Takeaways: Why wage stagnation and housing affordability are prompting more people to explore creative investing and frugal living How frugality is becoming a mindful, sustainable lifestyle—and the surprising benefits of Serina's Buy Nothing challenges How Serina uses clear financial goals to build not just security, but well-being Why community, emotional wealth, and spiritual abundance are just as important as money when it comes to living a rich life. Show Resources: Follow Serina on Instagram - HERE Follow Serina on Facebook - HERE Check out the Joyful Frugalista website - HERE Follow Emma, the Podcast Host on Instagram - HERE Check Out Emma's Book, Worthy & Wealthy - HERE About the Guest: Serina Bird is a proud frugalista who has amassed a muti-million dollar portfolio through frugal living and sound investing. She is the author of several books including The Joyful Frugalista and How To Pay Your Mortgage Off in 10 Years (which was a finalist in the 2024 Australian Business Book Awards). Serina is host of The Joyful Frugalista. As a little side note, it's been a full circle moment for me personally: Worthy & Wealthy—my own book—is now a best-seller in the Budgeting and Money Management categories on Amazon, a space that both Serina and I deeply care about. It's incredible to be part of this conversation on creating true, lasting wealth. Serina's wisdom comes not only from her financial success but also from her personal journey of resilience and empowerment, making her insights even more powerful. This podcast episode is packed with practical wisdom and uplifting insights—perfect if you're looking to reframe your mindset and create true abundance, no matter what's happening in the economy. If you LOVED the episode, be sure to share it on your Instagram stories and tag us @emmalagerlow and @thejoyfulfrugalista! Yours in being joyfully frugal, Emma. X.

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 3124: Tynan breaks down how intentional, creative decision-making can fund a fulfilling life at a fraction of the expected cost. By rethinking needs and eliminating unnecessary spending, he designs a lifestyle supported by minimal income but filled with freedom, autonomy, and adventure. Read along with the original article(s) here: http://tynan.com/the-zero-cost-lifestyle Quotes to ponder: "Figure out what you really want to do, and then figure out the absolute cheapest way to do it." "I eat perfect food that I love, live in the exact spot that I want to live, and I spend my free time doing what I want to do." "The real appeal of the zero cost lifestyle is that it is incredibly liberating. You get your time back." Episode references: Alcor Life Extension Foundation: https://www.alcor.org/ 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 3124: Tynan breaks down how intentional, creative decision-making can fund a fulfilling life at a fraction of the expected cost. By rethinking needs and eliminating unnecessary spending, he designs a lifestyle supported by minimal income but filled with freedom, autonomy, and adventure. Read along with the original article(s) here: http://tynan.com/the-zero-cost-lifestyle Quotes to ponder: "Figure out what you really want to do, and then figure out the absolute cheapest way to do it." "I eat perfect food that I love, live in the exact spot that I want to live, and I spend my free time doing what I want to do." "The real appeal of the zero cost lifestyle is that it is incredibly liberating. You get your time back." Episode references: Alcor Life Extension Foundation: https://www.alcor.org/ 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 3124: Tynan breaks down how intentional, creative decision-making can fund a fulfilling life at a fraction of the expected cost. By rethinking needs and eliminating unnecessary spending, he designs a lifestyle supported by minimal income but filled with freedom, autonomy, and adventure. Read along with the original article(s) here: http://tynan.com/the-zero-cost-lifestyle Quotes to ponder: "Figure out what you really want to do, and then figure out the absolute cheapest way to do it." "I eat perfect food that I love, live in the exact spot that I want to live, and I spend my free time doing what I want to do." "The real appeal of the zero cost lifestyle is that it is incredibly liberating. You get your time back." Episode references: Alcor Life Extension Foundation: https://www.alcor.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Does frugality in government spending/taxation save lives? Sen Diane Linthicum's latest newsletter says yes: https://mailchi.mp/electdennis/coolidge_2025-04-23-100000?e=ec7181c588 Say no today on the 800% timber tax increase as the hearing is at 3pm: https://speak4.app/lp/dp01kn71/?ts=1744415202 Timber tax hearing today so submit testimony against: https://oregoncatalyst.com/87093-forget-timber-tax-hearing-thurs.html Submit testimony against it here until Saturday at 3pm: https://olis.oregonlegislature.gov/liz/2025R1/Testimony/HREV/HB/3489/0000-00-00-00-00?area=Measures Portland is going frugal? https://www.koin.com/news/portland/portland-city-union-workers-hold-rally-outside-city-hall-amid-possible-cuts/ Portlanders polarized over cutting cops or prioritizing more cops: https://www.oregonlive.com/politics/2025/04/portlanders-polarized-over-what-to-cut-protect-from-budget-cuts-many-say-protect-police-others-say-cut-police-first.html PPS face 40M deficit but are giving big raises to top officials: https://www.wweek.com/news/schools/2025/04/23/pps-school-board-approves-new-senior-leadership-pay-range/  

Frugality is in. It used to be taboo to talk about money. A survey of 2,000 Americans split evenly by generation and gender found that 61% agree that it's less tacky to be “frugal” today than it was 10 years ago. Early Birds club: The Earlybirds Club began when two friends in Chicago, Laura Baginski and Susie Lee, wanted to party like they did in their 20s, but as young-at-heart ladies in their 40s, they can't be out into the wee hours of the morning as they hop from club to club. Doors open at 6 PM and close around 10 PM, ensuring everyone can make it home on time to be in bed by a reasonable hour. With a demographic of Gen X women and non-binary folks with some elder millennials mixed in, the music tends to be nostalgic hits from the 80s, 90s, and early 2000s.Foods to take off the naughty list: If you're avoiding foods because of scary labels like “fats,” “cholesterol,” and “carbs” you might be skipping out on some serious nutrition gold, all thanks to outdated food myths. We are talking mixed nuts, eggs, avocado, etc.Second Date Update: Mandy and Alan go out for coffee. Was it her order that turned him off?

Anthony is back, and so is the podcast. We have Easter bunny attack, naked man on the highway looking for pants, and Anthony realizes he is an old man with his Pittsburgh rant. We have a man folding a sheet to a crowd of 700, Cass shares how her own tendencies may ruin her surprise, and we play delightfully useless trivia. We play Can’t Beat Cassiday, have a goal montage in the Sticks and Balls Report, and share some unhinged ways to save money. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

Pastor Andy preaches over Isaiah 55:1-3 on April 6th, 2025. 

Mozi, a prominent Chinese philosopher during the Warring States period, founded Mohism, a school of thought emphasizing universal love, meritocracy, anti-war principles, and consequentialist ethics. He advocated for frugality, social welfare, and pragmatic governance guided by Heaven's will.

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 3093: Julianna Poplin explores the often-overlooked tension between simplicity and frugality, sharing her journey from obsessive bargain hunting to more mindful consumer habits. She encourages listeners to consider the true cost of “cheap” purchases, including time, stress, and clutter, and offers reflective questions to help find a balance that aligns with their values. Read along with the original article(s) here: https://www.thesimplicityhabit.com/how-to-balance-simplicity-and-frugality/ Quotes to ponder: "You are going to pay with something. It will typically either be time or money." "Frugality ceases to be an asset when you are buried under a pile of bargain items." "It isn't frugal to buy unnecessary items no matter how inexpensive they were." Episode references: The Minimalists (Joshua Fields Milburn quote): https://www.theminimalists.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 3093: Julianna Poplin explores the often-overlooked tension between simplicity and frugality, sharing her journey from obsessive bargain hunting to more mindful consumer habits. She encourages listeners to consider the true cost of “cheap” purchases, including time, stress, and clutter, and offers reflective questions to help find a balance that aligns with their values. Read along with the original article(s) here: https://www.thesimplicityhabit.com/how-to-balance-simplicity-and-frugality/ Quotes to ponder: "You are going to pay with something. It will typically either be time or money." "Frugality ceases to be an asset when you are buried under a pile of bargain items." "It isn't frugal to buy unnecessary items no matter how inexpensive they were." Episode references: The Minimalists (Joshua Fields Milburn quote): https://www.theminimalists.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 3093: Julianna Poplin explores the often-overlooked tension between simplicity and frugality, sharing her journey from obsessive bargain hunting to more mindful consumer habits. She encourages listeners to consider the true cost of “cheap” purchases, including time, stress, and clutter, and offers reflective questions to help find a balance that aligns with their values. Read along with the original article(s) here: https://www.thesimplicityhabit.com/how-to-balance-simplicity-and-frugality/ Quotes to ponder: "You are going to pay with something. It will typically either be time or money." "Frugality ceases to be an asset when you are buried under a pile of bargain items." "It isn't frugal to buy unnecessary items no matter how inexpensive they were." Episode references: The Minimalists (Joshua Fields Milburn quote): https://www.theminimalists.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

According to Australian accountant and property investor millionaire Jeremy Iannuzzelli there is no such thing as a cost-of-living crisis and that rather, we are in a 'spending crisis'. Millionaire Jeremy Iannuzzelli told Peter Fegan on 4BC Breakfast, "I don't disagree that costs have increased, but if we look at the economy as a whole over the last 25 years, there's always been an increase in costs year to year and that's called progression." "I think the main thing now is all about frugality and a lot of people are not understanding that in certain times, in certain economies, you need to rein back your spending." "If you're spending money consistent with where we were when interest rates were two percent and you haven't changed your habits, then you are going to feel the pinch," Mr. Iannuzzelli said.See omnystudio.com/listener for privacy information.

Inspire Hour Podcast-Resilience, Frugality, and Freedom: The Art of Living Off the Land "Welcome to 'The Inspire Hour Podcast,' where we are exploring the intersection of nature, financial independence, and the human spirit. I'm your host, Toni Williams , and in today's episode, we're diving deep into the themes of resilience and frugality, highlighting how living off the land can pave the way to financial independence. Whether you're looking to make a significant lifestyle change or just curious about these concepts, we've got some actionable insights for you!" Inspire hour podcast A source for positive mental stimulation and good vibes. Uplifting the world in support of peace, strength, wisdom, and faith. Know that you are loved, cherished, and needed, so keep your head up and heart light. Until next time have a blessed and productive week. Podcasts are available on most sites and apps. Https://www.spreaker.com/show/inspire-hour-podcast YouTube Channelhttps://www.youtube.com/c/Toni... T On 1 Radiohttps://www.facebook.com/TOn1R... For suggestions and other inquiries and to keep up with the latest news by following us on social media Inspire Hour Podcast by T On 1 Radio - Made with Calliope The information and resources on this podcast are based on the opinions of the host unless otherwise noted. All information is intended to motivate, encourage, and inspire positive change and a healthier lifestyle.Become a supporter of this podcast: https://www.spreaker.com/podcast/inspire-hour-podcast--4620683/support.

Dr Kirk and Humberto answer patron/member emails.This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/KIRK to get 10% off your first month.00:00 Humberto's thoughts on Emilia Perez03:54 Deep dive relevancy09:25 Can I be friends with different beliefs? 23:43 Dating and approaching with empathy30:44 How has our society changed from domestic terrorism? 43:24 With age, do people get frugal with love?Become a member: https://www.youtube.com/channel/UCOUZWV1DRtHtpP2H48S7iiw/joinBecome a patron: https://www.patreon.com/PsychologyInSeattleEmail: https://www.psychologyinseattle.com/contactWebsite: https://www.psychologyinseattle.comMerch: https://teespring.com/stores/psychology-in-seattleInstagram: https://www.instagram.com/psychologyinseattle/Facebook Official Page: https://www.facebook.com/PsychologyInSeattle/TikTok: https://www.tiktok.com/@kirk.hondaMarch 24, 2025The Psychology In Seattle Podcast ®Trigger Warning: This episode may include topics such as assault, trauma, and discrimination. If necessary, listeners are encouraged to refrain from listening and care for their safety and well-being.Disclaimer: The content provided is for educational, informational, and entertainment purposes only. Nothing here constitutes personal or professional consultation, therapy, diagnosis, or creates a counselor-client relationship. Topics discussed may generate differing points of view. If you participate (by being a guest, submitting a question, or commenting) you must do so with the knowledge that we cannot control reactions or responses from others, which may not agree with you or feel unfair. Your participation on this site is at your own risk, accepting full responsibility for any liability or harm that may result. Anything you write here may be used for discussion or endorsement of the podcast. Opinions and views expressed by the host and guest hosts are personal views. Although, we take precautions and fact check, they should not be considered facts and the opinions may change. Opinions posted by participants (such as comments) are not those of the hosts. Readers should not rely on any information found here and should perform due diligence before taking any action. For a more extensive description of factors for you to consider, please see www.psychologyinseattle.com

Frugality is a powerful tool for paying off debt, allowing you to cut unnecessary expenses, focus on essentials, develop discipline, and accelerate financial freedom. However, staying frugal for too long can lead to a scarcity mindset, making it hard to enjoy your money even after paying off your debt and achieving stability. While being frugal for a season helps you break free from debt, true financial freedom comes from learning to spend intentionally on what truly matters in your life! The downside of extreme frugality is that it can create fear of spending and prevent you from investing in your well-being, relationships, and experiences. Money is not just for saving and hoarding—it's a tool for creating a meaningful life. Transitioning from frugality to abundance means reframing spending as an investment in your happiness and values, rather than a loss. Take a listen to learn how to develop the skill of spending in your life. Learn to spend intentionally by identifying what brings you joy, and creating an intentional spending plan that balances needs, wealth-building, experiences, and giving. Learn how to practice conscious spending and how to overcome guilt around spending. The goal is to move beyond restriction and build a life of financial security, freedom, and fulfillment on your way to financial independence! Download your free Step-By-Step Guide to Develop the Skill of Spending today! You'll also receive access to journal prompts that will help you reflect on your mindset and beliefs during your journey to financial independence. Are you just beginning your journey to financial independence and want to learn more? Download your free copy of the PA the FI Way Beginner's Workbook here! Website / Blog: pathefiway.com Follow along on Instagram: @pathefiway https://www.instagram.com/pathefiway/ Connect on LinkedIn: https://www.linkedin.com/in/katarina-kat-astrup-mspas-pa-c-175848255/ Join the private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway Like the Facebook page to follow along for updates: https://www.facebook.com/pathefiway Questions or thoughts about the show? Email pathefiway@gmail.com Enjoy the show? You can now support the PA the FI Way podcast through Buy Me a Coffee! Thank you for all of your support! https://www.buymeacoffee.com/pathefiway Keywords: physician associate , physician assistant , physician assistant financial independence , physician associate financial independence , physician assistant finances , physician associate finances , physician assistant finance , physician associate finance , physician assistant money , physician associate money , physician assistant school , physician associate school , PA school , PA-S , PA-C , pre-PA , physician assistant student , physician associate student , money mindset , psychology of money

The latest crisis to engulf Dick Schoof's cabinet sees three coalition parties vote against the prime minister on Europe's rearmament plan to support Ukraine. GroenLinks-PvdA speed up plans for a merger, almost as if they expect an early election. JA21 MP Joost Eerdmans, a PVV councillor and Groningen's former mayor all get into difficulty in their cars. The government wants to tighten up regulations on vaping while Amsterdam steps up restrictions on Airbnb. And while Dutch athletes sweep the board at the European Indoor Championships, one speed skater shoots himself in the foot ahead of the season finale.

In this week's Spotlight, we swing the light from cycling to doping, via trans news updates and some success stories from our Discourse members. We kick off with a chat about whether we've been too obsessed with power numbers, and not talking enough about speed, as pointed out by Christoph Roodhooft of Alpecin's pro-cycling team. We discuss what it means to be an "economic cyclist", which allows Gareth to propose the concept of "physiological frugality", which we are 100% sure will take over from "durability" as the next-big-thing in elite cycling by 2027!We also chat briefly about positive fuelling experiences shared with us by Discourse members, who've managed to push their energy intakes up thanks to the experts we've heard from on the pod. We check in on some controversial topics, including the transgender athletes in sport debate, where a new paper, a legal decision and an imminent IOC election are all in the spotlight, and finally, we briefly discuss Shelby Houlihan's own words about her doping defence in an interview with Letsrun.com.Show notesAs mentioned, Discourse is our VIP Community where you can share bicarb recipes, tales of fuel success, and a whole lot more! You become a member by pledging a small amount on Patreon, which you can access here, and that will give you access to all the chat and sports science insights from members.LinksThe GCN segment discussed on the show, giving rise to Gareth's concept of "frugality"The Handelsman & Bermon paper that is discussed brieflyFull Decision in the Hamilton vs Telegraph press complaintThis is the full, in-depth analysis I did for Letsrun on the Shelby Houlihan decision, including the wrong application or misunderstanding of the Technical Document, and the carbon isotope ratio analysis that refuted Houlihan's argumentsThe interview Houlihan did last week with Letsrun, as alluded to by Gareth in the podcast Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

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 3069: Rebuilding your finances after bankruptcy is challenging, but it's also an opportunity for a fresh start. Kalen Bruce outlines practical steps to regain control, from tracking expenses and cutting non-essential spending to leveraging budgeting tools and creating a sustainable financial plan. By taking a proactive approach, you can turn past financial struggles into a foundation for long-term stability. Read along with the original article(s) here: https://moneyminiblog.com/budgeting/budget-after-bankruptcy/ Quotes to ponder: "Once your debts have been forgiven, you need to make sure you don't fall back into debt." "If there is any practice that can answer the question of how to rebuild finances after bankruptcy, it is budgeting." "Look at your financial situation as a positive, clean slate, rather than feeling sorry over your previous financial failings." Episode references: FI Healthcare: https://fihealthcare.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 3069: Rebuilding your finances after bankruptcy is challenging, but it's also an opportunity for a fresh start. Kalen Bruce outlines practical steps to regain control, from tracking expenses and cutting non-essential spending to leveraging budgeting tools and creating a sustainable financial plan. By taking a proactive approach, you can turn past financial struggles into a foundation for long-term stability. Read along with the original article(s) here: https://moneyminiblog.com/budgeting/budget-after-bankruptcy/ Quotes to ponder: "Once your debts have been forgiven, you need to make sure you don't fall back into debt." "If there is any practice that can answer the question of how to rebuild finances after bankruptcy, it is budgeting." "Look at your financial situation as a positive, clean slate, rather than feeling sorry over your previous financial failings." Episode references: FI Healthcare: https://fihealthcare.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 3069: Rebuilding your finances after bankruptcy is challenging, but it's also an opportunity for a fresh start. Kalen Bruce outlines practical steps to regain control, from tracking expenses and cutting non-essential spending to leveraging budgeting tools and creating a sustainable financial plan. By taking a proactive approach, you can turn past financial struggles into a foundation for long-term stability. Read along with the original article(s) here: https://moneyminiblog.com/budgeting/budget-after-bankruptcy/ Quotes to ponder: "Once your debts have been forgiven, you need to make sure you don't fall back into debt." "If there is any practice that can answer the question of how to rebuild finances after bankruptcy, it is budgeting." "Look at your financial situation as a positive, clean slate, rather than feeling sorry over your previous financial failings." Episode references: FI Healthcare: https://fihealthcare.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people consider frugality to be a Christian virtue—but is it, really?We often equate frugality with good financial stewardship, but they're not exactly the same thing. While frugality can be a wise practice, it doesn't necessarily lead to true peace or biblical financial wisdom. Let's explore the key differences and signs that frugality might be going too far.What Is Frugality?Frugality is about being careful with resources—spending less than you earn, saving money, and making economical choices. If you or someone in your household is a conscientious penny-pincher, you likely embrace frugality as a lifestyle.Frugality certainly has virtues, such as self-control and patience. Benjamin Franklin's well-known phrase, “A penny saved is a penny earned,” supports the idea that being financially cautious is a wise practice.At Faith and Finance, we encourage people to:Save for the futurePay down debtsAvoid overspendingHowever, biblical financial stewardship is much bigger than frugality.The Biblical Perspective on StewardshipFrugality alone does not guarantee peace—because, from a biblical perspective, we aren't the owners of our money or possessions. God is.Psalm 24:1 reminds us:“The earth is the Lord's, and everything in it.”Recognizing Christ's Lordship over our finances shifts the focus from simply cutting costs to honoring God with our resources.Jesus teaches in Matthew 6:19-21:“Do not lay up for yourselves treasures upon earth, where moth and rust destroy, and where thieves break in and steal. But lay up for yourselves treasures in heaven… for where your treasure is, there will your heart be also.”Frugality can help you save money on earth, but eternal rewards come from a different approach—surrendering your finances to God and using them for His purposes.Frugality is a tool, but it must be used in a way that aligns with faithful stewardship. If pursued for its own sake, it can lead to selfishness, greed, and even pride.Signs That Frugality Has Gone Too FarHow do you know when frugality has shifted from wise stewardship to financial foolishness? Here are a few red flags:1. You Spend Hours Each Week Just to Save a Few DollarsDo you spend excessive time clipping coupons, hunting for deals, or driving across town to save a few cents on gas? If frugality has become an obsession, it may be time to reassess how you're using your time.2. You Go Without Essentials Just to Save MoneyAre you skipping necessary expenses—like a bed to sleep on—just because you don't want to spend money? Being wise with money doesn't mean depriving yourself of basic needs.3. You Hoard Items Just Because They're a “Good Deal”Stocking up on necessities is fine, but filling your home with excess items (like a closet overflowing with toothpaste) may indicate a deeper issue—a lack of trust in God's provision.4. You Compromise Safety for the Sake of Saving MoneyEating expired food, skipping necessary medications, or refusing to fix important home repairs just to save a few dollars can be dangerous. Stewardship includes caring for yourself and your family, not just minimizing costs.5. Frugality Feels Like a Competition or an ObligationDo you stress out over every dollar spent? If spending any money at all causes anxiety, you may be placing too much faith in frugality rather than trusting God to provide.6. You Struggle to Be GenerousIf penny-pinching kills your generosity, that's a warning sign. Hebrews 13:16 reminds us:“Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God.”True peace comes not from saving every penny but from trusting in God's provision and using money for His glory.Finding the Right BalanceEvery financial habit stems from an underlying mindset. In many cases, extreme frugality results from a lack of balance.Here's how to restore a healthy perspective on money:Use your time wisely—Clipping coupons is fine, but not if it consumes hours each week.Prioritize health and well-being—A healthy family is more valuable than a few extra dollars saved.Give generously—God calls us to share, not hoard.Trust God's provision—Money is a tool, not an idol.As Jesus teaches in Matthew 6:33:“Seek first God's kingdom and His righteousness, and all these things will be added to you.”When you put God first, true peace isn't found in penny-pinching but in faithful stewardship and reliance on Him.The Greater Purpose of StewardshipStewardship isn't just about spending wisely—it's about using God's resources for His purposes. Our finances should reflect His kingdom priorities, not just our desire to save money.Ultimately, financial stewardship isn't about how much we save—it's about trusting God, managing resources wisely, and giving generously to advance His Kingdom. If your frugality has become a burden, it's time to release it to God and find true peace in His provision.On Today's Program, Rob Answers Listener Questions:I'm trying to open a Roth IRA but getting stuck on questions about adding margin, options trading, and enabling advanced trading features. I don't have a 401(k) or pension, but my house is paid off. How can I open a simple Roth IRA without those extra features?I want to buy a brand-new vehicle for my sister and give her either $20,000 or $30,000 to do so. I would like to know if she has to report this gift on her taxes or if I have to report it on my taxes.My mother and uncle recently sold their property in Oklahoma. The paperwork shows that the sale proceeds were distributed to people who are not family members. I'm concerned the property may have been stolen, or the sale mishandled. How can I investigate to see if the funds that should have gone to me and my deceased brother were taken inappropriately?I would like to know when it would be a good investment to upgrade or remodel my home. If the improvements cost around 25% of my retirement investment, would that be a wise use of that money? I would also like to know if investing 25% in the home is a good idea since it could increase its value.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineSchwab Intelligent PortfoliosWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Many people would consider frugality to be a Christian virtue, and they often equate it with good stewardship. But are they really the same? On today's Faith & Finance Live, Rob West will explain how frugality and stewardship differ in several ways. Then he’ll answer some questions on different financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

We will learn the ways. Games we played this week include: Reality Break (11:15) Rift of the Necrodancer (18:50) Onimusha 2 (29:30) The Legend of Zelda: Link's Awakening (38:35) --- News things talked about in this episode: Sony delists spam games from PlayStation Store (43:40) https://www.eurogamer.net/playstation-quietly-removes-slop-shovelware-ps5-games-following-investigation Nightmare Kart getting expansion as Bloodborne PSX gets nuked (58:50) https://www.eurogamer.net/bloodborne-psx-demake-now-completely-removed-but-nightmare-kart-continues-with-dlc Steam implements warning for possibly abandoned Early Access titles (48:35) https://www.gamesindustry.biz/steam-now-warns-players-if-early-access-games-have-been-abandoned Roblox under investigation by Security and Exchange Commission (51:30) https://www.gamesindustry.biz/roblox-reportedly-part-of-sec-investigation Patent reveals mouse function for Joy-Con 2 (54:20) https://www.eurogamer.net/switch-2-patent-seemingly-confirms-previously-rumoured-joy-con-functionality --- Buy official Jimquisition merchandise at https://thejimporium.com Find Laura at LauraKBuzz on Twitter, Twitch, YouTube, and Patreon. All her content goes on https://LauraKBuzz.com, and you can catch Access-Ability on YouTube every Friday. Follow Conrad at ConradZimmerman on Instagram/BlueSky and check out his Patreon (https://patreon.com/fistshark). You can also peruse his anti-capitalist propaganda at https://mercenarycreative.com.

In this episode of How to Invest in Commercial Real Estate, the guys dive deep into the popular book The Millionaire Next Door and explain why it's giving people the wrong idea about wealth. Time Stamps: 0:00 – Introduction 0:20 – Welcome back to the best podcast in Jenks, Oklahoma 0:33 – Quick updates: Aspen Dental, Grand Rapids, and new deals 1:13 – $600K in Q4 distributions to investors 2:04 – Why The Millionaire Next Door doesn't align with our goals 2:50 – Breaking down the book's premise: Who is the average millionaire? 4:41 – The problem with living below your means as a path to wealth 5:56 – Why saving isn't enough to achieve the millionaire lifestyle 8:13 – Focus on income growth and high returns instead of frugality 10:00 – Set bigger goals: $10 million instead of $1 million 12:33 – Passive income vs. net worth: What should your real goal be? 15:39 – Final thoughts: Don't let frugality keep you from chasing your dreams *Be Sure to check us out on Spotify and Apple Podcasts for the Audio version of today's episode!** https://open.spotify.com/show/08KmNvqGV5HjmHUC8fLuce https://podcasts.apple.com/us/podcast/how-to-invest-in-commercial-real-estate/id1543470290 Leave a review and win FREE MERCH! https://maps.app.goo.gl/QaaSZnQVWre1HUMH6 Links mentioned in this episode: www.TheCriterionFund.com www.HowToInvestInCRE.TV Invest.HowToInvestInCRE.com To sign up for our exclusive investor list, click below. https://www.thecriterionfund.com/join-our-investor-list CommercialRealEstate #WealthBuilding #PassiveIncome #MillionaireMindset #FinancialFreedom #InvestingInRealEstate #CashFlow #FrugalityMyths #TheMillionaireNextDoor #RealEstateInvesting #FinancialIndependence #IncomeGrowth #BuildingWealth #CommercialInvestments #InvestSmarter

A new MP3 sermon from Christ Covenant Reformed Presbyterian is now available on SermonAudio with the following details: Title: Biblical Frugality and Conservation Subtitle: A Character Study in Proverbs Speaker: Rev. Todd Ruddell Broadcaster: Christ Covenant Reformed Presbyterian Event: Sunday - PM Date: 2/2/2025 Bible: Proverbs 12:24-28 Length: 52 min.

In this episode of the 'None of Your Business' podcast, the host introduces Natalie Torres-Haddad, also known as the Financially Savvy Latina, as a guest. The discussion revolves around achieving financial literacy and stability, focusing on mindset, debt management, and strategic education. Natalie shares her personal journey from growing up in poverty to becoming an expert in finance, emphasizing the importance of financial mindset from a young age. She discusses the concepts of good and bad debt, strategies to manage and reduce debt, and how being financially disciplined can set one up for long-term success. Natalie also touches upon her work with women, revealing that many can relate to her experiences. Additionally, she shares insights on investing in real estate and the significance of understanding one's financial values and goals. Towards the end, she talks about her book 'Cise Puede', which aims to inspire and guide on financial empowerment. The episode is packed with practical advice and inspirational stories aimed at helping listeners achieve financial freedom.00:00 Introduction: Setting the Stage for Financial Success00:48 Welcome to the None of Your Business Podcast01:18 Meet Natalie Torres Haddad: The Financially Savvy Latina02:08 Natalie's Journey: From Poverty to Financial Literacy03:27 The Power of Mindset in Financial Success05:45 Understanding Debt: The Good, The Bad, and The Ugly08:30 Strategies for Overcoming Bad Debt10:10 The Importance of Frugality and Smart Spending13:30 Empowering Women Through Financial Education14:50 Real Estate Investment: A Path to Financial Freedom17:47 Natalie's Books and Resources for Financial Growth19:29 Conclusion: Taking Action Towards Financial SuccessConnect with Natalie: IG: https://www.instagram.com/finsavvylatinaSupport the showJoin the #1 Community for Service-Based Entrepreneurshttps://www.blackdiamondclub.com Follow Shawn and Lacey on Social Media: https://www.instagram.com/drshawndill/ https://www.instagram.com/drlaceybook/

Send us a textIs it possible to continue striving for FIRE in a high-inflation environment? Michael, a 39-year-old married father of three, originally from New Zealand, moved to Ireland in 2011.Episode #132https://podcasts.apple.com/ie/podcast/high-inflation-high-ambitions-unlocking-financial-independence/id1508117788?i=1000616927112Referral CodesBe sure to check out this Google Doc which has a whole host of referral codes.https://docs.google.com/document/d/1UeZ9Lq6Tid8uFp2GqzjQEv9riNgTEsdnu4_sGp3O_mM/edit?tab=t.0#heading=h.l3zwfjlrqlns

In this episode of Everyone's Talkin' Money, I'm joined by Jen and Jill from the Frugal Friends podcast and authors of Buy What You Love Without Going Broke to explore the often misunderstood concept of frugality and how it ties to intentional spending, personal values, and financial empowerment. They dive deep into the psychology of spending, the role of dopamine in impulse buying, and practical strategies to align your money habits with what truly matters. Together, they break down how to redefine frugality as a positive practice of resource management rather than deprivation and share actionable tips to curb emotional spending, embrace imperfection, and make empowered financial decisions. Whether you're a spender, saver, or somewhere in between, this episode will help you rethink how you approach your money and your life. What You'll Learn in This Episode: Why dopamine hits are highest in the anticipation of shopping, not the act itself. How to redefine frugality as a form of financial freedom, not sacrifice. Why understanding your personal values is the secret to intentional spending. Tips to curb impulse shopping without feeling deprived. How mistakes in your financial journey can be your greatest teacher. The importance of asking non-shaming questions about your money habits. How frugality can lead to more meaningful and fulfilling experiences. LINKS Frugal Friends podcast n this episode of Everyone's Talkin' Money, Shannah is joined by Jen and Jill to explore the often misunderstood concept of frugality and how it ties to intentional spending, personal values, and financial empowerment. They dive deep into the psychology of spending, the role of dopamine in impulse buying, and practical strategies to align your money habits with what truly matters. Together, they break down how to redefine frugality as a positive practice of resource management rather than deprivation and share actionable tips to curb emotional spending, embrace imperfection, and make empowered financial decisions. Whether you're a spender, saver, or somewhere in between, this episode will help you rethink how you approach your money and your life. What You'll Learn in This Episode: Why dopamine hits are highest in the anticipation of shopping, not the act itself. How to redefine frugality as a form of financial freedom, not sacrifice. Why understanding your personal values is the secret to intentional spending. Tips to curb impulse shopping without feeling deprived. How mistakes in your financial journey can be your greatest teacher. The importance of asking non-shaming questions about your money habits. How frugality can lead to more meaningful and fulfilling experiences. LINKS Frugal Friends podcast Buy What You Love Without Going Broke book CONNECT WITH SHANNAH Preorder my book, Unraveling Your Relationship with Money: Discover and Ditch Your Money Trauma So You Can Live an Abundant Life: Preorder Here Instagram: @shannahgame Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm Learn more about your ad choices. Visit megaphone.fm/adchoices

Frugality can be a powerful tool for achieving financial freedom, and this episode explores the balance between being frugal and enjoying life. Dustin Heiner shares his personal journey of growing up in a financially constrained environment and how that shaped his values regarding money. Joined by frugality expert Jen Smith, they delve into the importance of aligning spending with one's values to enhance life rather than restrict it. They discuss practical strategies for identifying spending patterns and making conscious choices that prioritize meaningful experiences over impulse purchases. By the end, listeners will gain insights into how to embrace frugality as a means to live a fulfilling life while still pursuing financial goals.Join Me At REWBCON25 20% OFF CODE: MPIPODCAST https://rewbcon.com Get the FREE Course: https://masterpassiveincome.com/freecourseGet the 1-on-1 coaching FREE strategy call here: https://masterpassiveincome.com/bookacallFollow Dustin Heiner on Instagram: https://instagram.com/thedustinheinerCheck out all the other MPI Podcast Network Shows: https://masterpassiveincome.com/network//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for only $29! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexreal estate investing, passive income, purpose in life, financial independence, wealth building, mindset shift, coaching in real estate, Master Passive Income, Real Estate Wealth Builders Conference, finding your purpose, purpose anchors, investing strategies, personal finance, achieving goals, success mindset, motivation, fulfillment in life, overcoming limiting beliefs, community building, entrepreneurshipTakeaways: Frugality is about being wise with your money, not just saving for the sake of saving. Understanding your spending habits through a transaction inventory can reveal your true values. Combining frugality with strategies to increase income can enhance your financial stability. It's important to spend on what you genuinely value to avoid guilt and regret. Being frugal is not the same as being stingy; it's about wise spending choices. Identifying your core values can help you prioritize spending that enriches your life. frugality, financial freedom, generational wealth, real estate investing, budgeting tips, debt repayment, saving money, frugal living, wealth building strategies, passive income, spending wisely, value-based spending, financial independence, mindful spending, investing in real estate, wealth management, personal finance tips, money management, frugal lifestyle, financial literacy

Most people think Bryan Johnson just wants to live forever. They're wrong. Bryan's real goal is to leave a legacy that will last centuries. In this episode, we uncover the extraordinary vision of Bryan Johnson, an entrepreneur driven by the audacious mission to earn the respect of people living in the year 2500. Bryan isn't just the man who sold Braintree (the parent company of Venmo) for $300 million—he's an innovator investing every resource he has into shaping humanity's future. From building a brain-interface company to launching Blueprint, a scientific health initiative, Bryan's focus isn't on today's accolades. It's on creating a legacy that will stand the test of time. In this episode: Discover how Bryan's financial success stemmed from his quest for eternal relevance. Learn how he allocates his wealth, including the risks he's taken and the investments he regrets. Hear about his frugal lifestyle, his thoughts on the true purpose of money, and why his mission shapes every financial decision he makes. This is Moneywise, a podcast where host Sam Parr is joined by high-net-worth guests to explore exclusive insights into personal finance and lifestyle tailored for other high-net-worth people, or those on their way. They'll get radically transparent about the numbers, revealing things like their burn rates, portfolios, and spending habits. Who is Sam Parr? Sam is a serial entrepreneur and the co-founder of The Hustle, which he sold to HubSpot in 2021. He's also the co-host of one of the world's top podcasts for entrepreneurs, My First Million. Known for his insightful business acumen and candid communication style, Sam Parr continues to be a prominent figure in the world of media and entrepreneurship. Sam's newest and biggest venture yet is Hampton, which he co-founded in 2022. Check out Sam's Companies:  Hampton Sam's List This podcast was made for the Hampton community, a private, highly-vetted, peer membership community for founders and CEOs of fast-growing, tech-enabled startups. Chapters: The Genesis of Braintree and Its Success (02:19) Brian's Post-Exit Life and Investments (06:48) The Quest for a Lasting Legacy (13:13) Reflections on Time, Legacy, and Impact (18:23) The 'Don't Die' Philosophy (24:28) Financial Priorities and Frugality (26:02) Blueprint and Health Achievements (27:20) Reflections on Investments (29:45) Historical Inspirations and Philosophies (35:46) Final Thoughts and Legacy (41:01) This podcast was produced in partnership with Lower Street and distributed by Morning Brew.

This week on the Journey to Launch Podcast, I'm joined by Jen Smith and Jill Sirianni, co-hosts of the Frugal Friends podcast and authors of Buy What You Love Without Going Broke. We dive into the true meaning of frugality, breaking away from the common perception of it being about deprivation or cheapness. Instead, Jen and Jill frame frugality as intentional, value-driven spending that supports your goals and priorities. They share insights on understanding spending habits, using a 90-day transaction inventory to uncover patterns, and how dopamine fasting can reprogram spending behaviors. Tune in for practical tips and strategies to help you spend with purpose, align your money with what truly matters, and find joy on your path to financial freedom. In this episode you'll learn:  That frugality is not about wanting less but wanting different and embracing the desire for big things in life. It's about good stewardship of all resources. The need for flexibility and fluidity in spending decisions, especially during different life stages.  How a no spend challenge can be a way to pause non-essential spending and give the brain space to ask important questions about spending behaviors.  How to align spending with deeper values such as faith, family, friends, and fulfilling work. Other Links Mentioned in episode: Jen's previous episode on the Journey to Launch Podcast: How to Use Frugality and No Spend Challenges to Accelerate Your Money Journey + Side Hustle Tips w/ Jen Smith Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with The Frugal Friends: Website: FrugalFriendsPodcast.com Instagram: @FrugalFriendsPodcast Twitter: @ModernFrugality Facebook: @ModernFrugality Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

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 2991: Mr. 1500's story of "Bad Car Bill" highlights the power of frugality and resisting lifestyle inflation. Bill's modest choices driving a clunker, packing lunches, and avoiding flashy expenses allowed him to quietly accumulate wealth while peers squandered theirs. This thought-provoking tale challenges us to reconsider the allure of materialism and embrace financial wisdom. Read along with the original article(s) here: https://www.1500days.com/the-tale-of-bad-car-bill/ Quotes to ponder: "The consultants were a fascinating bunch to watch. They had no trouble finding ways to blow all of their new wealth very quickly." "Bad Car Bill lived the frugal life, saving and investing his money. Same old clothes, same old car and same old lunch in a paper sack from wherever home was." "Every once in a while, I think back on my days at that job, sitting on the patio at work eating lunch, I like to think he was laughing on the inside at the rest of them." Episode references: Mr. Money Mustache Blog: https://www.mrmoneymustache.com The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 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 2991: Mr. 1500's story of "Bad Car Bill" highlights the power of frugality and resisting lifestyle inflation. Bill's modest choices driving a clunker, packing lunches, and avoiding flashy expenses allowed him to quietly accumulate wealth while peers squandered theirs. This thought-provoking tale challenges us to reconsider the allure of materialism and embrace financial wisdom. Read along with the original article(s) here: https://www.1500days.com/the-tale-of-bad-car-bill/ Quotes to ponder: "The consultants were a fascinating bunch to watch. They had no trouble finding ways to blow all of their new wealth very quickly." "Bad Car Bill lived the frugal life, saving and investing his money. Same old clothes, same old car and same old lunch in a paper sack from wherever home was." "Every once in a while, I think back on my days at that job, sitting on the patio at work eating lunch, I like to think he was laughing on the inside at the rest of them." Episode references: Mr. Money Mustache Blog: https://www.mrmoneymustache.com The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Brad, Jen, and Jill as they navigate the intricate balance between frugality and financial independence. Explore creative alternatives for spending less, and the importance of aligning your finances with your core values. Key Topics Discussed Introduction to Frugality (00:00:00) Overview of the tension between overspending and frugality. Importance of values in financial decisions. The Extremes of Spending (00:02:00) The trend of swinging between extremes in spending and income earning. Finding a "radical middle." 30-Day No Spend Challenge (00:08:20) Definition and benefits of a no spend challenge. Reducing decision fatigue and promoting creativity. Understanding Dopamine (00:11:00) How dopamine affects spending habits. The link between dopamine and impulse purchases. The Four F's of Fulfilling Life (00:35:14) Family, friends, faith, and fulfilling work as guiding values. Prioritizing financial decisions around these values. Actionable Takeaways (00:49:30) Practical steps to begin applying the concepts discussed in the episode. Key Takeaways Embrace Life as an Experiment: Life is a series of experiments; learn from each experience and evaluate your spending habits. Conduct a 90-Day Transaction Inventory (00:25:41): Review your last 90 days of spending to identify patterns and impulsive behaviors. Start a 30-Day No Spend Challenge (00:10:13): Focus on understanding your desires and needs without spending money on non-essential items. Define Your Four F's (00:35:14): Identify and prioritize family, friends, faith, and fulfilling work in your financial planning. Engage in Creative Alternatives to Shopping: Find different activities that fulfill emotional needs without spending money. Quotes "Hold the tension between frugality and income earning to find your radical middle." (00:05:13) "It's about wanting different, not less." (00:34:21) "Life is a series of experiments—learn about yourself with each one." (00:56:06) "Happiness is an internal journey—not dictated by our environment." (00:48:59) "Connect your finances to your core values for meaningful spending." (00:37:14) Action Items Commit to a 30-day no spend challenge starting next month. Create a list of your four F's to guide spending decisions. Conduct a 90-day transaction inventory to understand impulse spending triggers. Related Resources Buy What You Love Without Going Broke (00:56:12) Dopamine Nation by Anne Lemke (00:11:00) Adam Sandler SNL Skit (00:48:59) Chapters 00:00:00 - Introduction to Frugality 00:02:00 - The Extremes of Spending 00:08:20 - 30-Day No Spend Challenge 00:11:00 - Understanding Dopamine 00:35:14 - The Four F's of Fulfilling Life

Cash Flow Mastery with Anthony Nitsos   On this episode of The Profit Answer Man, we welcome Anthony Nitsos, the CEO and Founder of SaaS Gurus. Anthony shares his journey from medical school to mastering finance and becoming a trusted advisor to SaaS startups. His unique perspective focuses on addressing the root causes of financial and operational inefficiencies, bringing lessons from medicine and Japanese manufacturing to the business world.   In this episode, you will learn: Why Anthony left medical school and how that shaped his approach to problem-solving in business. The importance of preventive measures in finance, akin to healthcare practices. How understanding and applying lean processes can enhance operational efficiency. Insights from Anthony's experiences with Japanese business principles and their application in finance and accounting. Practical steps SaaS startups can take to streamline operations and achieve consistent profitability.   Key Takeaways: Preventive Finance is Key: Much like in healthcare, treating symptoms without addressing the underlying cause can lead to recurring problems. Anthony emphasizes identifying and solving root issues in accounting and finance to prevent recurring operational challenges​. Efficiency Through Standardization: Borrowing from Japanese manufacturing, Anthony underscores the value of creating standardized processes in repetitive tasks like invoicing, payroll, and sales order creation. This minimizes errors and saves time and resources​. Cultural Lessons on Frugality and Value: Influenced by his Greek immigrant background and Japanese business culture, Anthony highlights the significance of being resourceful while delivering maximum impact—focusing on quality over quantity​ Understanding SaaS-Specific Challenges: SaaS companies face unique financial hurdles, from managing subscriptions to scaling operations. Addressing these challenges requires a tailored approach that includes proper financial forecasting, expense management, and strategic investment.   About Anthony Nitsos: Anthony Nitsos is the founder of SaaS Gurus, a fractional CFO service dedicated to SaaS startups. With a rich background in medical training, lean manufacturing, and financial leadership, Anthony's insights are rooted in finding efficient, value-driven solutions for businesses. He has been instrumental in the success of unicorn exits like Duo Security and LLamasoft, helping SaaS businesses scale with financial clarity​.   Conclusion: Anthony Nitsos demonstrates the power of applying lessons from diverse disciplines to business finance. By focusing on prevention, standardization, and cultural efficiency, SaaS startups can navigate complex financial landscapes with confidence. His journey is a testament to the importance of holistic thinking in achieving sustainable profitability.   Links: LinkedIn: https://www.linkedin.com/in/anthonynitsos/ Website: https://saasgurus.io/   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Relay Bank (affiliate link) – https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs. #profitfirst

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 2976: J. Money highlights the importance of financial prioritization through two contrasting cab rides: one chosen for an enriching experience and the other out of necessity. These anecdotes underscore the balance between occasional splurges and financial security, emphasizing that conscious spending in major budget areas creates freedom for life's unpredictable moments. Read along with the original article(s) here: https://www.budgetsaresexy.com/tale-of-two-cab-rides-money-tenants/ Quotes to ponder: "Sometimes money is meant to be spent, even if people give you the judgy face." "Even when you prioritize your spending, you STILL sometimes get jacked!" "The bigger the gap between your income and expenses, the less you need to agonize over this kind of one-off purchases." 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 2973: Mr. Money Mustache illustrates how a $10 secondhand bread machine revolutionized his household by saving over $750, reducing waste, and enhancing creativity in the kitchen. From making fresh bread to crafting gourmet pizza dough, he demonstrates that frugal choices can be both cost-effective and indulgent, blending practicality with culinary joy. Read along with the original article(s) here: https://www.mrmoneymustache.com/2011/09/08/my-750-bread-making-machine-2/ Quotes to ponder: "You just throw in some flour and a few other things, and you have a great loaf of bread in just a few hours." "But in my own odd life which combines both frugality and decadence, I have found this device to be quite a worthy contributor to the family." "If you eat bread and/or pizza regularly, I can safely recommend having a peek at your local Craig's if you want to dip a toe into the breadmaking world as well." Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we bring you #2 in our Holiday Replay Series Today I talk with one of my favorite people on the internet, Kat Steck, all about simpifying this season and celebrating it according to your own values. We discuss gift giving, putting less pressure on ourselves to do things we don't want to do, making new traditions, less consumerism, frugal traditions, and more. Kat on Instagram Desirae on Instagram Podcast Website Sponsor: Manscaped: Get 20% off + free shipping with the code MINIMALISH at Manscaped.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of the Triple P Life Podcast, Dr. Jay LaGuardia sits down with Karla Trotman, CEO of Electrosoft Incorporated and author of Dark, Dirty, Dangerous: Building the Vibrant Future of Manufacturing. Together, they delve into the challenges and triumphs of running a family business, navigating generational transitions, and redefining what it means to be a leader in the manufacturing industry. Karla shares her journey of taking over her father's legacy and transforming the business into a modern powerhouse, all while breaking barriers as a Black woman in a traditionally male-dominated field. From her early resistance to joining the family business to embracing it as a vehicle for generational wealth and impact, Karla offers valuable insights on leadership, legacy, and the power of resilience. Dr. Jay and Karla also discuss the vital role family businesses play in driving the economy, the psychological hurdles of succession planning, and the importance of creating a legacy that endures. Whether you're a business owner, aspiring entrepreneur, or just someone who loves inspiring stories of perseverance and innovation, this episode is packed with actionable insights and heartfelt wisdom.   Resources: Karla Trotman's Website: https://www.karlatrotman.com Dark, Dirty, Dangerous on Amazon: Link Electrosoft Incorporated: https://www.electrosoftinc.com   (00:00) - Introduction and Welcome (02:51) - Meet Karla Trotman: A Family Legacy in Manufacturing (03:05) - The Origins of Electrosoft: From Military Inspiration to Entrepreneurship (05:00) - What Does Electrosoft Manufacture? (06:55) - Growing Up in a Family Business (08:45) - Breaking Stereotypes: Representation in Manufacturing (11:00) - Lessons in Frugality and Hardship (16:00) - Taking Over the Business: Challenges and Resilience (20:50) - Writing Dark, Dirty, Dangerous and the Manufacturing Image (26:00) - Transitioning Leadership: The 11-Year Journey (32:00) - Navigating Family Dynamics and Making Tough Choices (38:00) - Building a Vision and Culture for the Future (40:30) - Closing Thoughts and Handy Links to Karla's Book   Find all things Triple P Life by visiting the website. Follow Dr. Jay: Facebook | LinkedIn | YouTube Get Dr. Jay's Book: Change Your Mind Change Your Destiny Find all the nutrition and supplement products Triple P Nutrition has to offer here.

Jesse grew up in a frugal family -- frugality for frugality's sake, as he describes it. As he has grown, discovered the YNAB method, and worked the four rules, he has come to a conclusion -- he is not even a little frugal! Frugality implies thrift, spending little money so as to conserve the resource. The idea is that spending money frugally is an effort to not waste money.   YNAB's four rules help you identify the things that matter in your life, however, the things you do want to spend money on. And once you have identified those things, Jesse challenges you to double down and spend more on the things that matter to you. As he has mentioned in other episodes, money is just an extension of you, and if money is you, then why would you want less of you in the world?    So Jesse is not frugal. Not even a little bit!   Get your tickets to YNAB Fan Fest 2025! Coming to San Diego, Minneapolis, and NYC. Tickets are ON SALE NOW: YNAB.com/events   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial

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 2953: Practicing frugality goes beyond saving money - it fosters mindfulness, resilience, and a deeper appreciation for life's simple pleasures. This approach not only empowers financial independence but also cultivates lasting happiness through meaningful priorities and intentional living. Read along with the original article(s) here: https://madmoneymonster.com/2019/09/16/5-ways-frugality-can-lead-to-a-happy-life/ Quotes to ponder: "Frugality isn't about deprivation; it's about redirecting resources toward what truly matters in life." "Choosing to live simply doesn't mean settling for less - it means finding joy in the essentials." "Through frugality, we learn to value what we have and eliminate what doesn't serve our happiness." 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 3395: Jen Smith explores how to adapt Marie Kondo's decluttering philosophy to fit personal needs and modern lifestyle constraints, allowing for a more flexible, less rigid approach. By modifying the KonMari method, Smith provides practical tips for organizing without pressure to discard items that hold unique value or serve functional purposes. Read along with the original article(s) here: https://www.modernfrugality.com/modify-the-konmari-method/ Quotes to ponder: "Your home should be a reflection of who you are not who someone else says you should be." "Decluttering doesn't mean you have to let go of everything; it's about making space for the things that genuinely add to your life." "The goal is to live in a way that feels natural and supportive to you, not to follow someone else's rules." 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 2931: Mrs. 1500 from 1500Days.com shares her thoughts on early retirement, emphasizing that you don't need to earn a six-figure salary to achieve it. Drawing from her own experience of living frugally, she offers practical tips, such as renting out spare rooms, maintaining a budget car, and delaying major expenses like children, all while finding joy in a simpler lifestyle. Read along with the original article(s) here: https://www.1500days.com/you-dont-have-to-make-100000-a-year-to-retire-early/ Quotes to ponder: "Anyone can stir things together in a bowl. Take a day to make up a bunch of breakfast sandwiches and put them in the freezer so you don't have to stop at the drive-thru on the way to work because you woke up late." "Delay having children until you can afford them. Now I understand surprises happen, but there are ways to avoid these surprises." "Don't attend weddings for people you don't believe will stay together." Episode references: Retire by 40: https://retireby40.org Mr. Money Mustache: https://www.mrmoneymustache.com Learn more about your ad choices. Visit megaphone.fm/adchoices