# Writing every transaction down
# Using a spreadsheet to track your spending habits
# Loving credit cards
# Never thinking of purchases in terms of *present* value
# Studying computers (there are loads of unfilled computer jobs)
# Using tools that aggregate all of your accounts into one place.
Frugal people do spend money, but want the maximum bang for the buck, without stressing themselves.
Frugality does not mean compromising quality, neglecting your social life, or being a cheap stake. It is about making smart spending choices, like buying second-hand clothing, avoiding pricey subscriptions or brands.
Millennials who claim to be ‘self-made’ get support from their parents and in some cases, enjoy the privilege too, but are reluctant to admit the same. They have to show the world that they are able to do well and sustain themselves on their own, and any conversation around money, privilege, success and class stirs up topics they may try to avoid.
Gender Bias: Women who inherit from their parents and do well are looked upon differently than men who do the same.
We don't really need massive amounts of money to live a happy life.
A good level of freedom and self-confidence can be attained by a relatively small figure of money.
We can take the middle path, doing things that we enjoy, carving a decent earning while attaining an enviable work-life balance.