One Step Isn’t a Journey

Marathon d New York : Verrazano Bridge by Martineric on Flickr!Lately, I’ve been listening to a wide variety of podcasts and talk radio stations while writing, mostly in order to expose myself to thoughts and opinions across the spectrum. A few days ago, a host on one of these shows (I believe it was Colin Cowherd) complained quite specifically about personal finance advice in a way that made me think.

His comment was simple: he claimed that personal finance writers and personalities target things like getting a latte at Starbucks because they’re low hanging fruit. He stated that if you just replace a Starbucks coffee with a lower quality coffee, you’ll save yourself maybe a buck a day, adding up to $30 after a month. That $30 is inconsequential, according to him – it’s an amount of money that really doesn’t equate to any significant change in life. Instead, he argued that you should only focus on the big stuff – sell that jet ski you use only twice a year, for one.

On one level, the host has a point: big steps will have much more impact than small steps. Selling that jet ski will help you quite a bit more than skipping a coffee at Starbucks, without a doubt. If you want to make a giant step, sell your car or downgrade your home – those moves will make a sea change in your personal finance situation.

On the other hand, we have a lot of opportunities in our lives to make small steps. Changing your coffee habits is a small step. Changing your light bulbs is a small step. Eating a meal at home is a small step.

In the end, though, big steps and small steps are just steps in a larger journey.

I like to think of the journey to financial independence as being like a marathon. Doing something big, like downgrading your home, is the equivalent of running a mile’s worth of that marathon. Doing something small, like giving up today’s coffee, is only a step in that journey.

The journey, though, is long. It’s a lot of steps to reach that finish line of complete financial independence. One or two big moves won’t do it, nor will a bunch of smaller moves. You need to throw as much as you can at the goal, just like a marathon runner throwing everything they have at the goal.

Many people like to overlook the small steps because they don’t seem to cover much ground along the way to financial independence. After all, giving up one’s daily coffee isn’t going to save you much money by itself, so why do it?

Here’s another way of looking at it. Skipping today’s coffee and putting that money away might be one step in the journey. Do it all month and you’ve got thirty steps. Do it all year and you’ve got three hundred and sixty steps. Add in a few other tiny things like eating at home and replacing your light bulbs and soon you’ll find that you’re taking a few thousand little steps – covering at least as much ground (if not more) than those big steps.

If you truly want financial independence and security, your journey is going to require some big steps and a lot of small steps. Don’t get caught up in the belief that a little step doesn’t matter – every step matters on your way to this marathon’s finish line.

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55 thoughts on “One Step Isn’t a Journey

  1. Trevor - 14 Year Old Blogger says:

    Yup.

    I try to tell people to go small first and then take bigger steps once they can.

    You don’t learn to run before you walk.

  2. Johanna says:

    When people buy things like jet skis, they typically realize that they’re spending a lot of money. But when they spend $5 a day on coffee, they often don’t realize that that adds up to a lot of money over the long term until someone points it out to them. And THAT, I thought, was the reason why personal finance writers focus more on lattes than they do on jet skis.

    To me the whole “Big steps are better!” “No, small steps are better!” debate is kind of silly. For some people, most of their excess spending is in the form of big purchases, so that’s what they need to focus on. For others, most of it goes toward small purchases. Still others are so far over their heads that they need to cut out both big purchases and small purchases to make ends meet.

    Getting your financial head on straight is about realizing where your money is going and figuring out what you can afford. Maybe you can afford to keep either the jet ski or the daily latte, but not both, so you have to choose which one you prefer. And not everyone will make the same choice. And there’s nothing wrong with that.

  3. Valerie says:

    A jet ski? Some of these columnists sound like people from another planet. For a lot of us, small expenses are all there is to cut. And believe me, thirty bucks a month can do a lot for you.

    And several 30/month savings can add up to a great deal!

  4. Valerie says:

    …not to mention, the market is saturated with rich people’s toys and castoffs. Cars and suchlike are getting much harder to sell. If you need money now, you’d better stop foolish spending.

  5. Erin says:

    Regarding the podcasts: there are some great personal finance podcasts out there (several of which I’ve reviewed on my blog). A few that I recommend are Brian Preston’s Money Guy, Wall Street Journal’s Your Money and Vanguard’s Plain Talk on Investing. Trent, I’d love to know which ones you listen to and enjoy, because I’m always looking for worthwhile ones to add to my list.

  6. Jem says:

    @ Valerie:

    You are so right! If I could only do things like sell my car to save money, then I wouldn’t be able to save any money because I don’t own a car.

    For me, little things like not eating lunch out are the way to save money and it definitely adds up. In the past year living frugally has allowed me to save over $5,000 that I’m putting towards graduate school. You’ve got to do what you can to meet your goals, whether that means selling off some expensive toys or bending down to pick up a quarter…every little bit helps to make a dent!

  7. Adam says:

    I agree the baby steps add up to the bigger picture. The latte effect as some call it really adds up over time, those $5 coffees hit the budget hard along with the waist line.

    Great article!

  8. I was re-reading The Tightwad Gazette recently, which led me to your interview with Amy on this blog. She had a similar article about this, pointing out that the problem is the opportunities to save huge amounts of money are few and far between. Also, I don’t have a jet-ski. I do have many loss-leader sales at the supermarkets and the ability to make my own coffee.

    And everyday frugality will make you think twice about ever buying a jet-ski in the first place.

  9. 444 says:

    I agree that a bunch of small steps adds up to a big step. I was resisting getting rid of our landline, even though we get one or two calls a week on it. But we have four cell phones in the family, soon to be five. How many phones could we possibly need? I am seriously considering getting rid of the $30-per-month landline (well, it’s over internet, but still) that we use extremely infrequently. $30 over the course of a year and over the course of several years is a lot of money and we are so unpopular that we hardly use our cell phones, either, so that’s a lot of phonage we are paying for.

  10. Kathryn says:

    Besides, I think your talk-show guy is missing the another important point: the power of habit. Giving up a premium latte isn’t just about the dollar or cents you save; it’s about training yourself to think about each and every purchase. Do I need this? Do I want this? Can I afford this? Can I do without this?

    Over the past year I trained myself (with the help of a price book) to pay attention to how much each thing costs at the grocery store. Now I know what’s a “good” price for almost everything we buy regularly. Do I always wait for the best sale? No. Has it made us rich? No. But it’s made us mindful. And that skill then extended to everything we do with money, and that HAS made a big difference in our finances.

  11. weiszguy says:

    Wow, Trent, what a great analogy. I hear this same argument all the time. Now I have a new way of explaining it.

  12. Tom says:

    Thirty dollars per month is not insignificant for all people. Assuming 50 working weeks a year and 5 days per week, saving one dollar per day accounts for $250 per year. That is one percent of the income of a person making $25,000 per year (pretty significant just for coffee).

    Even more is if you spent $5 per day on Starbucks. This would add up to $1,250, or 5% of a $25,000 income.

    Maybe the amount saved by avoiding coffee is inconsequential to someone who can afford to buy jetskis, but not to most people. One third of Americans earn less than $30,000 per year.

  13. Great thoughts Trent!

    Although I understand the logic of Colin Cowherd (ESPN Radio), I would agree with you that it doesn’t have to be an either/or thing of choosing between big ticket items versus small and “inconsequential” things. It has to be a both/and mentality.

    The principle is true in a lot of areas of life: little things that don’t seem like that big of a deal on their own can collectively make a huge difference.

  14. Roger says:

    Here’s good way to explain a small savings. If my wife and I each saved $30 a month by switching to cheaper coffee and the end of the year we would have over $600 dollars saved! That would be more than enough to pay our lowest property tax bill (we get three)! Or 1/2 of our car insurance for the year. Sounds like it would be worth it to me.

  15. Mike says:

    Great article Trent and a good observation.

    In reality living a frugal lifestyle is as much about lattes as it is about jet skis.

    Frivolous spending is frivolous apending and the only difference is scope. Will a jet ski have a big impact? Sure.

    Will a $5 latte a day over a year have an impact? You bet! ($1300 a year or so $5x5daysx52wks)

    As non habitual spending a latte certainly has less impact than a jet ski but as a habit they’re both equally noxious.

  16. Valerie is exactly right: few of us have a JetSki laying around the house that we could sell, and if we did, we probably wouldn’t be in a position to need to sell off our junk to make ends meet.

    Mr. Cowherd (please! can’t the guy come up with a better nom de plume?) is short-sighted. Cutting that daily Starbucks latte from your routine isn’t the point. The point is to develop frugal habits and to foster common sense. It’s not about saving a buck or two a day. It’s about recognizing waste, learning to eliminate it, and developing a comfortable and happy lifestyle without it. That’s true frugality: true simplicity.

  17. Frugal Dad says:

    Hard to argue with “The Herd!” I do agree that it is those larger sacrifices that really make a big impact. That’s not to say there isn’t a place for frugal living, because those small savings add up, too, but over time I’ve found the larger the sacrifice the greater the reward, financially. It’s a balancing act.

    The opposite of what Cowherd said is also true–I know a few people who scrimp at every possible opportunity to spend money only to blow all their savings (and then some) on a shiny new toy every few months. They could simply buy a smaller, or older toy, enjoy some of the small daily pleasures in life, and still come out ahead. Life is a balancing act.

  18. Neal Frankle says:

    I agree completely. Both steps are crucial.

    Ben Franklin said that if you watch the nickels, the dollars take care of themselves. On the other hand, I’m sure that Ben would have also advocated keeping a watchful eye on the dollars too.

  19. Sarah says:

    I think more than anything it’s about learning to live within your means. If you have a lot of consumer debt, you are (probably) not doing this. Your “lifestyle deflation” needs to occur at all levels of your spending. It does you very little good to sell off the jet ski and pay off that $5K debt if you continue to spend more than you earn, because then eventually you will end up back in debt again. And the $5 lattes do count as spending.

    More than that, as others have said above, they (usually) count as *thoughtless* spending. You need to develop the habit of considering your expenditures of all varieties to bring your spending in line with your income and keep it there. Maybe you can afford them. Maybe you can’t. But the presumption is against you if you’ve already run up a good chunk of consumer debt. Certainly you need to question that expense before continuing to incur it.

  20. Green Panda says:

    Small changes allow you to test the waters. Once I cut out appetizers from dinners most of the time, I realized that not only did I save money, but I was wasting less food. Most places we went to either have free brad, chips 7 salsa, or cucumber salad.

  21. almost there says:

    Ca-ching! Saving any amount by cutting unneeded expenses is the way to go. I just transfered a credit card balance to a CU secured loan for a savings of over $300 per month in payments. My spouse cancelled a fitness club membership saving $29 per month. All these things add up to less money flowing out per month. I plan to take some of the savings and invest in microlending with a 3% return.

  22. Kimmy B. says:

    I would add to this that getting out of debt and staying out of debt is a lifestyle decision. Doing small things can make a big difference when changing your lifestyle. If your house is a mess, you have to learn to put stuff in the garbage can to keep it clean. Walking to the garbage can is a small step but when you’re accustomed to just throwing you trash on the floor simply walking to the trash can suddenly become life changing.

    Big steps are important and add momentum but making small changes like asking yourself do you need or want that new car before you buy it can have a big impact!

    Kimmy B. “The Prosperity Blogger”
    http://www.prosperitybloger.org

  23. The Personal Finance Playbook says:

    The strength of the small steps is that they’re lifestyle changes, too. Sure, one latte isn’t a big deal – but if it’s a change you make for the rest of your life, then you’ve made an important lifestyle change. You only sell that jetski once, but several small lifestyle changes will make a big difference. Nice post.

  24. Cathy says:

    I think this is good frugality advice…for those Wall Street types who have to learn how to get by on a mere $500,000 a year in New York. By all means, if you have a jet ski sell it! Sell your yacht and get rid of the mooring fees too! Get rid of the nanny, the gardner, the chef and driver! Cutting lattes isn’t going to be enough to help stretch your paltry half a million dollar salary.

    For me, drinking the coffee provided by work and bringing my lunch to work saves me about $200 per month. $200 per month for a year is $2400. In my world, $2400 is a lot of money. About the price of a used jet ski on ebay, no?

  25. liv says:

    I think it depends on your income level if you’re debating $30 to $1000, but in general, any amount of money saved is a good amount.

  26. Gina says:

    How many people have one or more of the big things like the jet ski to get rid of? Most people do have one or many of the small step items–coffee, soda, candy bar–purchases they could reduce or eliminate that would impact their finances a great deal more over time.

    Training for and running a marathon may be a one-time event for you that could help you lose weight. A very good thing in the short term. Taking up running as a lifestyle habit will almost certainly be better over time because it will help you keep the weight off even if you never work up to running 26.2 miles at one clip.

  27. CPA Kevin says:

    I agree to a point. But with Starbucks daily, cable, internet, the best mobile phone package…it can add up to $400-500 a month easily. And like a previous comment said, not everyone has a jet ski – sometimes small things are the only things.

  28. Small steps make up big steps, and small steps are way easier to take than big steps.

    -Nate

  29. Matt says:

    Great post Trent. Haven’t had too many of your posts resonate with me lately, but this one is a gem.

    This is how I view the journey, a bunch of little steps. If you’ve ever succeeded in losing weight you also know how much the little steps impact the journey. Cut a few calories here, one less piece of bread there, half instead of a whole glass of milk and you’re talking 300-400 calories. That coupled with some excercise is a pound a week. Money is the same way.

  30. Ryan says:

    Im so glad Colin Cowherd was replaced by Max Kellerman in NYC’s espn radio. I couldnt stand that guy.

  31. Adam says:

    Hi Trent,

    Good article. I participate in the baby steps as well as the leaps and bounds. On a daily basis, I try to focus on the dollars I can save by making my own food and skipping the coffee shop (although the commute gets dangerous without the caffeine sometimes). But then every year I like to use my “windfall profits” like my annual bonus and any income tax return to significantly pay down debt and increase my emergency fund or retirement accounts. Although one or the other is better than nothing, doing both is certainly yielding the most impact.

    Keep up the good work!

  32. getagrip says:

    I’ll just add that one of the things is that we often don’t realize how much we’re spending on the “latte”. I’d bet most people just get in the habit of buying it (it being coffee, lunch, snack, sodas from the machine, etc.) and handing over a ten or twenty and pocketing the change (or putting three or four bucks a day into a vending machine) without really thinking about how much they actually spent and if the price has gone up or down or even if they got the correct change back.

    Part of running a marathon is recognizing which way you are going, and actually taking consistent steps in that direction. Running a mile along the right road, only to stop, meander about, then head back or wander off down a side path (oohh, is that a new LCD TV?) doesn’t really get you anywhere.

  33. Faculties says:

    As the saying goes (did I read it on this blog?), “You can save $1000 once, or you can save $1 a thousand times.” The second one saves just as much as the first.

  34. Andy says:

    I disagree. How many people really buy $5 lattes every day? Lattes where I live cost $3.50, and few few people I know buy them daily. So cutting back on lattes will save most people very little money, not even close to $30 a month. If I cut back I’d probably save about $2 a month.

    Now, how many people own homes and cars that are bigger and more expensive than they need? I’d say most people do. As I look out my window most of the cars driving by are trucks, vans, SUVs, and large sedans. Most new houses are huge.

    Face it, own a small home, drive a small car, and you can have a latte any day of the week!

  35. Des says:

    I think this is a perspective issue. If you’re trying to live below your means on $12,000 a year, it makes a lot of sense to cut out a daily latte. If, however, you’re still living paycheck to paycheck on $100,000 a year, you have much bigger fish to fry than the latte. That money is going SOMEWHERE besides the coffee, and it will payoff more to find out what those expenses are and cut them than to focus on the smaller issues.

  36. NYC reader says:

    It’s only $30/month, $360/year. That’s the rationalization many folks (including myself) use to justify unmindful spending. Money spent unmindfully simply leaks out of one’s budget, and it is worthwhile to evaluate these expenditures with an eye toward stanching the budget bleeding.

    I changed my mindfulness of these purchases when I calculated how much I would have to invest and save to equal a post-tax return equal to the expense vs. simply not spending this money in the first place.

    Let’s take the $30/month, $360/year coffee habit as an example.

    If I could get a one-year CD at 4% interest, how much would I have to invest to come home with $360 after taxes?

    If this were a tax-free return, I would need to invest $9000 in a one-year CD paying 4% to get $360 at the end of the year.

    But this is real-world, I have to pay taxes on the interest earned by that CD. I live in NYC, there’s a state and local income tax, in addition to federal income tax.

    Based on my marginal tax rates, I get to keep about 67% of the interest earned after paying taxes. That means I would need to receive interest of $537.31 before taxes to come home with $360 after taxes ($537.31 * 0.67 = $360). To receive $537.31 in interest, I would need to invest $13432.84 in a one-year CD paying 4% ($13432.84 * 0.04 = $537.31).

    So you tell me, which is easier? Cutting out a few coffees, or saving up over $13000 and losing use of it for one year to come home with $360?

    Nevermind that it’s practically impossible to find a one-year CD paying 4%.

    Once I started evaluating my discretionary purchases this way, it became really easy to cut out the fluff.

    When I do spend money on purely discretionary expenses (night out with friends at the local sports pub, a new computer doodad, etc.) it’s made with full knowledge and mindfulness, and most importantly, WITH LIMITS. I allocate $X in my budget for this, and if I decide I want to spend the money, I do. If I decide I’d rather invest it, or save it for something else, that’s also an option. I have CONTROL. What I no longer have are mystery shortfalls in my budget (“Gee, I took $200 out of the ATM last week, how come I have no money in my pocket?”).

  37. todo es bien says:

    Well, not to belabor the point. But if Cowherd said this he was just being silly. To wit, if you were to bank a dollar a day for 35 years, and your investment was to increase @ 4% over the rate of inflation, the value of your investment in 35 years would be over 27,000. I realize for a person like Kevin Cowherd that is not a large sum of money, but I bet you the average person facing retirement right now would be grateful for an extra 27,000 bucks. Save 10 bucks a day (doable for most, not all) and you would walk out with a higher net worth than many many people who are retiring right now… Cutting it a little closer to home, I just calculated if I give up my daily latte I will have an extra 20 thousand when I retire in 13 years. That is enough to take a pretty damn nice trip around the world and then some…

  38. NYC reader says:

    @Andy

    In Manhattan, lattes are about $4.30, plus tax. Throw the change into the tip jar for the barrista (you do tip, don’t you?), and it’s $5. I know plenty of folks who do this at least daily, some more than once a day.

    Prices and expenditures are relative. Here are some examples from my neighborhood, a decent area, not some high-priced trendy area… Movies: $13 or $13.50. Rent on a studio apt: $2200. Buying a studio apt co-op: $400,000. Almost no one owns a car, it’s unnecessary in a city with great 24-hour public transportation and expensive parking ($400-$800/month).

  39. Cathy says:

    @Andy #26: Who buys $5 lattes every day? People who live in Seattle. :)

    I opt for the company coffee myself.

  40. Saver Queen says:

    Trent, you’ve tackled this question really well. It’s something I ask myself a lot – are all these little thing I’m doing really that important – is it worth it?

    My conclusion is that, while these “little steps” will not see a big instantaneous return on our daily frugal investments, they do certainly add up.

    When trying to save, consider the big steps and little steps.

    As far as the big steps – if you can save on your mortgage, your interest payments, your insurance, if you can get a raise, get a higher paying job, cut costs on your car, your home or your bills – do it.

    But just because you take the big steps, why ignore the little steps? They do add up. Like todo es bien says – we’re really talking about $27,000 – and that’s just for coffee! What if you were also frugal with your lunch, your grocery bill, your electric bill, your spending habits on clothes, books, electronics and toys? We’re talking about big numbers. In fact, if someone were to compare the difference between investing the price of a coffee every day into a savings account, vs selling that jet ski and investing the profits, the non-coffee drinker would be financially ahead – AND he’d still get to enjoy his jet ski.

  41. Saver Queen says:

    @Andy – I’m not sure where you live but in Toronto EVERYONE drinks $5 lattes or mochas or whatever they want at Starbucks, often more than once a day.

    But even drinking a $3.50 coffee a day adds up!

  42. Saver Queen says:

    @Valerie – excellent point. Some of us don’t have jet skiis or elaborate items to sell… we have to look for other places to cut back.

  43. Kandace says:

    I’d like to stretch your marathon analogy a bit. I’ve completed several marathons and it takes daily training to get to the point you can actually run the event. So the small changes–lattes, no land line, brown bagging, ditching the jet ski–are all the small steps, the daily training that gives you the strength for the actual marathon. Perhaps that is retirement itself–seeing how far you can push yourself and finding out if your training paid off. Of course, once you get the marathon, that’s where the real mental game comes in.

  44. Great post Trent. One of your better ones recently! I love the analogy of running the marathon. The goal is the same no matter how you chose to get there.

  45. collin says:

    I’ve sold the toys,and bigger amounts garnered from those sales, are sweet, but they don’t seem to make the difference long term, that frugal habits do. In the long run without the frugal habits trouble always comes back , even after selling the toys.

  46. Anessa says:

    I also agree with you Trent. I look at money in a similar way I look at weight loss. If you want to loose 25 pounds in 5 minutes cut off your leg. Problem solved. If your willing to wait and work slowly toward your goal with less injury to yourself and a more customized fit, cut off the trips for lattes and useless sale items.

    In life we could use a hatchet or we could use a scalpel. I like the scalpel for almost everything.

  47. Good article… I find myself at once agreeing and disagreeing which I thing is inspiring. I’m a huge Cowherd fan and I think I heard part of that rant. I agree that all steps forward are positive steps, however, not all steps are created equal. For example, I’d make more progress selling 30 jet skis rather than forgoing 30 lattes. It makes the think of the parable about helping someone with a speck in their eye when there’s a log in your own. There’s a Japanese continous improvement term – pokey-okay is the English numonic. It talks about impacting the next barrier to our improvement. For example, I’ll priorize the jetski today and on day 30 I’ll get to the coffee downsize.
    I guess I’m trying to land where both ideas are on target and in this way it does come to priorizations. Jean Chatzkey’s $10 a day is good advice but its value truely blossoms over an extended period of time. Sometimes a ‘NOW’ solution is required.
    Hey, I didn’t mean to carry on for so long… sign of a thought provoking article!

  48. Andy says:

    @#30, 31, and 33

    1) I live in north central Kansas. Everything is cheap here, although people are paid less, too.

    2) I’ve never been to Seattle.

    3) But I have been to Toronto and I had the best latte of my life there. A little place that specialized in lattes with nice wooden benches outside just down the hill a bit from the gay neighborhood. God, it was worth it.

    Moral of the story: Live in Kansas, but vacation in Toronto (or NYC or maybe Seattle next).

  49. Des says:

    @Saver Queen (#32)

    “But just because you take the big steps, why ignore the little steps? ”

    The question becomes: how “little” of a little step is still worth it? Is it worth it to wash and re-use baggies? For some people maybe, for others not so much.

    Trent’s article the other day hit on this same point (http://www.thesimpledollar.com/2009/02/06/the-end-is-the-beginning/).

    Yes, little things add up. But the question is to how much and is it worth the effort. $27,000.00 of today’s dollars will be worth just shy of $10,000 in 35 years. Is it worth giving up 35 years of lattes for an extra $10,000.00 when you retire? To some, yes. To others, maybe not. That’s not a bad decision, its just a personal preference (assuming you’re otherwise financially solvent).

  50. Des says:

    @Saver Queen (#32)

    “But just because you take the big steps, why ignore the little steps? ”

    The question becomes: how “little” of a little step is still worth it? Is it worth it to wash and re-use baggies? For some people maybe, for others not so much.

    Trent’s article the other day hit on this same point (see The End Is The Beginning).

    Yes, little things add up. But the question is to how much and is it worth the effort. $27,000.00 of today’s dollars will be worth just shy of $10,000 in 35 years. Is it worth giving up 35 years of lattes for an extra $10,000.00 when you retire? To some, yes. To others, maybe not. That’s not a bad decision, its just a personal preference (assuming you’re otherwise financially solvent).

  51. MLP says:

    I would agree that both are important. Mainly because of pyschological reasons. It is hard to be money conscious and spend a little more on small items b/c you do spend on little things much more OFTEN than on large items. Life is about BALANCE. Good post.

  52. Jason says:

    I do not like to hear when people say that small steps are inconsequential and make no difference. To me, it is like you mentioned – many small steps add up to a larger collective action.

    In many cases, the thinking that the talk show host was portraying is why it is sometimes difficult to achieve large-scale change in society. Just take CFLs for example – yes, changing one light bulb doesn’t seem to make much difference, but when every household in the nation does so, then that’s a major difference!

  53. finkle is einhorn says:

    Herd had a point. Financial experts go on and on and on about how those coffees and little expenses add up. That’s a no-brainer.

    But while it’s good to be mindful of these “low hanging fruit,” it’s the big-ticket items that do far more harm in a much shorter period of time.

    Forming good habits is one thing. But swearing off a $2 coffee only to drop $1000 on plane tickets or $200 on a weekend in the city kind of defeats the purpose.

  54. Cathy says:

    An extra $10,000 in retirement means more vacations. You get senior rates for buffets, plus you can pick the cheapest flight days because you don’t have to schedule vacation time at work.

  55. Wow, wonderful weblog structure! How long have you been running
    a blog for? you made blogging look easy. The full glance of your web site is excellent, as neatly as the content!

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