Being frugal requires developing almost a reflexive ability to distinguish between needs and wants. Beyond distinguishing needs and wants, the frugal person must also possess the self-control to ignore the later. Can a frugal person ever give into a want? Of course they can! In my upcoming book, “Being Frugal, A Truth to Build Wealth” [...]
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“Why” is always a tough question to answer. In counseling, it is better to never ask a counselee “why” but rather “what” may have caused the behavior or emotion. I will attempt to answer why one should live frugally in just one sentence. Frugal living delays near term personal gratification in order to create financial [...]
There are certain personal finance truths the average American should accept to build wealth. A total of five in fact; invest early and often, be frugal, collect rent don’t pay it, be diligent, and finally, knowledge is money. Look at any of my material and you’ll know the real estate financial truth is probably my [...]
While I believe my wife and I have frugalness in our DNA, I think we’ve lost a little zest for this important financial truth. If you’ve read my blogs or book, “Millionaire on a Worker’s Budget”, you know my thesis that the average American Joe or Jane can’t build wealth without espousing a frugal life. [...]




