[latchkey]

I don't know. Over the years, I've stopped drinking alcohol, eating fast food and cut down on pointless spending. Sure, grocery shopping is more expensive, so I also stopped buying certain items that also affect my health and the planet... most meat. I changed my spending habits to focus on becoming healthier and happier as I age. I look at my dad who, like his father, refused to change anything and decided to break the cycle.

$5 is $5... every penny counts.

[whateveracct]

I've been learning the same thing. I did a big review of my finances (downloads CSVs and crunched them) and found like $4000 of easy money .. across a bunch of in-a-vacuum "small" expenses I wouldn't balk at. That's a new water heater and then some!