Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on—and then cutting costs mercilessly on the things you don’t love.

Who wins at the end of the day? The self-satisfied people who heatedly debate some obscure details? Or the people who sidestep the entire debate and get started?

If I don't have at least 4 or 5 failures a month, I feel like I'm not trying hard enough

If something isn't working, don't try harder or do more. Do something DIFFERENT.

Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on—and then cutting costs mercilessly on the things you don’t love.

Make the right decisions in life and you'll never have to worry about saving $3 a day on lattes.

How do you decisions change if retirement is not an option?