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You're listening to the Master Passive Income Podcast Network.

Welcome to the Master Passive Income Show.

My name is Dustin Heiner, and I'm here to help you afford anything you want in life, create generational wealth by investing in real estate and achieve financial freedom.

And in today's show, we're going to be talking all about frugality and is frugal, right?

Is it good, is it bad?

And at the same time, how you can afford whatever you want in life and not feel bad, even if you're frugal.

All right, let's start the show.

Welcome to the Master Passive Income Podcast, where we talk about investing in real.

Estate with a special focus on making enough money so you can quit your.

Job and live the dream life.

And now, here is your host, Dustin Heiner.

Hey.

Hey, what's up?

Super blessed as always to have you here with me on the show.

And I am super excited about putting out this bonus episode that we have for you today.

This is a bonus episode that I'm really, really excited about because you guys, you probably listen to me for a little while now, and if you've listened to my other shows, you would hear usually that I'm pretty frugal.

Like, I'm a pretty frugal guy.

In fact, let me give you a quick story of how I became frugal.

Well, number one, we didn't have much money when I was growing up.

In fact, my family was really poor.

We lived in a two bedroom house, and it was maybe 900 square feet, maybe a thousand square feet, and we did not have much money, but I didn't know any difference.

Like, I didn't know we were poor.

We still had a great time, had a great life.

I was really, really blessed with my family, but we were dirt, dirt poor.

And so my parents instilled in me basically how to be frugal or how to be wise with spending money.

And I carry that into, you know, adulthood.

But at the same time, I also got married and realized that my wife was even more frugal than I was.

And what she did was she helped me to become even more frugal.

But this is really what catapulted me into becoming frugal.

So after I just got married, I think it was like 25 or 26 years old.

My wife and I started a business.

We started a convenience store and a pizzeria in downtown Fresno.

It was called Downtown Express.

It was like nothing inside the building.

It was dirt on the inside of this building.

We had to do a full tenant Improvement pour the slab everything and existing structure.

But it was a vacant, I guess, location for a strip mall and it was in a great area for downtown.

And anyways, what happened was we built out the entire business.

It was in 2006 or seven, everything was going great, the business was going really, really well.

Then 2008 happened.

Oh my goodness.

Then everything started going downhill.

Now mind you, I still had a full time job, I still have a full time job at the same time because I wanted to hire employees and have managers and other people do the work and build a business.

Well, what happened is when the economy crashed in 2008, our business went down because people were getting laid off, getting furloughed or people were having less hours, didn't have any money, so they weren't working downtown.

That brought in less customers.

And our income just kept dropping and dropping and dropping.

We could barely afford to keep the lights on.

We had to cut everybody's hours.

It was getting really bad.

But we had that business for over four, maybe five years and just eking by and it was tough.

I remember praying when I would drive to work because remember I still had a job to be able to afford everything.

I would drive to work, praying, lord, show me your glory.

Because right now it is so rough.

Right now that I am having to just feed my family with top ramen or beans and rice.

It was so, so terribly rough that I became even more frugal.

Now this frugality is not bad.

Frugality is actually really good.

When you become stingy, that's when it's bad.

Now we have plenty of money.

Now we're really, really blessed.

But we love to give.

We give so much.

But we still have our frugality.

And our frugality has helped us even more to become more and more wealthy.

I kid you not, because I have more money being frugal, not stingy.

Remember that's the difference.

Stingy is your.

You're not even spending your own money and you're also not giving your money.

Now we're being frugal, which means we're being wise with our money.

And I would buy properties because I knew that made me more money.

And it's pretty amazing how most problems can be solved when you make a little extra money or a lot of extra money.

And now I am looking at my life being so blessed, being frugal.

And that's the reason why I wanted to bring on my friend.

My friend has had her, has her own podcast.

She does a fantastic job teaching people how to be frugal or exemplifying what it's like to be frugal.

And we were talking at a recent conference.

We were at an event where we've met before called fincon, a great financial content creators conference.

That's where I go to grow as, you know, a podcaster and all that sort of stuff.

And I met her a number of years ago and I thought, you know what, it'd be great to highlight you and the frugality because I want you, my listener.

I want you to be understanding that frugality is going to be helpful and beneficial.

But at the same time, we also need to realize that frugality can go in a negative direction.

That's why my friend wrote a book and that's why I wanted to bring her on so we could talk through what it's like being frugal and how to also be able to buy the things that you really want in life.

And I'll be completely honest with you, when I quit my job in 2017, I was making enough money to basically feed my family and had a little more to very slowly be able to grow and build my business, buying more properties.

When I went to my first event, getting around other investors, other people that are making more money than I am, it opened my mind as to what I can do to become more successful.

And that's why I have the Real Estate Wealth Builders Conference.

Honestly, like, it's literally created for you.

There's no sales pitch.

We're not saying, hey, at the end, come get this $50,000, you know, program or coaching, which you'll see people like Grant Cardone and all those other ones.

This is not like that.

This is no sales pitch conference.

Because I grew through a conference very similar, like fincon.

I grew because I was around really, really wealthy businessmen and women that have done a great job that have shown me how to do it.

And that's why I created the Real Estate Wealth Builders Conference, is to get you around me so I can show you how to do it as well as my friends, 40 plus expert investors that are doing the exact same thing as I am showing you how to invest and as well as hundreds of other real estate investors so that you can connect with other people, you can see what's possible and you can change your life.

Now come to the Real Estate Wealth Brothers Conference.

Use the promo code MPIPODCAST.

I'll give you 20% off.

The link will be in the description, but you need to be there.

And every year it's an annual conference you just go to rubecon.com, you'll see where it's at.

We want you to be there.

But let's jump into today's show where I interview my friend who is a frugal expert, but at the same time is not so frugal where it's detrimental.

She's going to come on and show us how we can be frugal and successful at the same time.

I have my friend Jen Smith from Frugal Friends podcast.

Here we go.

Jen, thank you so much for being with me.

Oh, Dustin, thank you so much for having me.

Man, this is.

This is exciting.

I mean, I remember when Frugal Friends came out and because I was at fincon, I was at fincon.

And then, you know, I started hearing more and more about Frugal Friends.

I'm very frugal.

That's why it caught my ear.

I was like, ooh, Frugal Friends.

That's a fun title.

But then you guys just keep doing, really just help people.

That's the biggest thing I love about you guys are helping people not just be frugal for the sake of frugality or being stingy, which is the opposite of that.

You know, we're being frugal so we can enhance our lives.

And then you help people doing that.

And you also wrote a book, but you probably, like, were you born being frugal?

Like, is that something that you can steal from your parents?

Did you learn it as you went through life?

I thought I was.

I think it.

Some of it was.

My parents did not have a lot of money, but they also did not take out debt, so we didn't afford a lot of things.

So I thought I was frugal, but I really thought that meant just like buying generic brands and telling people you're broke joke.

I wasn't paying attention to what I was buying.

And the older I got, I realized neither were my parents.

Like, my mom was unemployed for a couple months, and during that time she came home with this, like, she went to a semi annual sale for Bed Bath and Beyond or Bath and Body Works and came home with, like a bunch of lotion.

And we live in Florida.

Like, the humidity is your lotion here.

Like, you don't.

You don't really need that stuff.

Stuff.

So, like, I realized that being frugal and just like chasing sales and kind of being cheap are not the same thing.

And so I, I think what I.

I was not naturally frugal, but I found, like, virtue in it.

And I wanted to Be.

I like that idea.

And well, because there's a, I guess a difference between being stingy, which means you're just holding on money for the sake of money, you're not helping people, you're not doing anything that's going to enhance you.

Just being stingy, which is hopeful word, at least in my mind, connotates something that's not good.

But being frugal, I try to ascribe it to that.

I want to make sure that I'm not wasting my money on things that I don't need to waste my money on trying to save money.

I love this saying, a penny saved is a penny earned.

Like when I buy a rental property and it let's say I capture $30,000 equity, which means I buy it lower than it's what it's currently going for.

Then I worked hard to save $30,000, which means I made $30,000.

And I like that as you guys teach and as you guys help people to understand that frugality is something that you can also buy the things that you want, which is definitely the premise of your book.

But before we get into that, how did you get started in like the Frugal Friends and wanting to help people?

Because, you know, it's pretty altruistic to help people who either probably don't have much money, but you're just saying I want to help you to make sure you can have a better life in general because you have more money to spend on things that you want.

Yeah.

So it happened when my husband and I paid off $78,000 of debt and we did that in just under two years, making a combined less than six figure income.

So we weren't making a ton of money.

And we paid off debt very fast.

And that's how fast?

$78,000.

How fast in 23 months.

So just under two years.

Yeah.

And we bought our first house during that time.

It was back in 2017 where we could put 5,000 and, and get our first as a better time.

But yeah, so we paid off that debt and bought a home during those two years.

And so we were just going full force for better or for worse.

And that's where I realized that I wasn't being, quote, I wasn't being wise with my money.

Just because I was buying generic brands and buying cheap stuff didn't mean that I was frugal or good with money.

And so after budgeting really strictly for two years and paying off all that debt, we got out and I was like, great.

All my money problems are Solved.

I have a home.

I don't have consumer debt.

I'm great.

And the opposite happened.

I got really scared to spend money at that point because I was fearful of needing it.

I'd spent so much time not spending money and restricting myself that anytime I spent money on, even if it was something I budgeted for, I felt guilty because it wasn't the most optimized use of my money.

And so we started saving really aggressively for retirement.

And then about seven, eight weeks before I gave birth to my first son, I lost my job.

And so I had to stop being so aggressive with my saving.

And that's when I had to look at the extremes that I had just been living in the extreme, like, spend whatever I want whenever I want and think I'm good because I'm buying generic.

And this extreme extreme of saving and hoarding money because I'm fearful of needing it if I do anything to enjoy myself with it.

And I had to find this radical middle.

And so that has been the podcast since.

Since that day.

We actually started it before I lost my job.

So we started it in the.

When I was in this, like, ultra hoarding mindset.

And it's just been like this progression over the last seven years of figuring out how do we spend money and not feel guilty about it, but also not go broke and be able to save to have it when we need it.

When you think of being frugal, does it work out to also focus on how to make more money?

I mean, I know that, man, the more money I make, the more problems gets, gets solved because you have extra money to be able to pay for your, you know, electricity bill.

Like living in Arizona, it's really hot, so you want to run the air conditioner.

I had a $500 electric bill one month and I was like, whoa, what just happened?

So.

But I found that making more money, it has helped a ton.

When you lose your job, that's definitely a huge wake up call is like, oh my goodness, like, am I spending my money wisely?

But this at the same time, am I making more money?

What are your thoughts about also incorporating how you can make more money in order to expand your frugality in a sense, but then also buy the things that you want.

Yeah.

So for us, frugality, our definition of it, is good stewardship of your resources.

So money is a resource, but time is a resource.

Your physical space is.

You only have a finite amount of physical space that you own or rent or what have you.

Your mental energy, your mental capacities are Limited.

So we want to be good stewards of that and then also our natural resources as well.

We don't want to over buy fast fashion, not just because it costs us a lot of money, but because it all ends up in a landfill eventually and our planet cannot sustain the amount of clothing that we are sending over to Africa.

So we want to be good stewards of all our resources.

Time is our only completely non renewable resource.

And in that I think when we, we sell ourselves short, when we just spend all of our time trying to save money and save a dollar here, save a dollar there, just focusing on the spending race to the bottom.

And we can save a lot of time if we would just invest a little into earning more money.

And so really looking at the most efficient ways to do that and the ways that are best for you.

Like we own a rental property, we own a long term rental and then on our property a midterm rental.

And so I have learned a lot being a landlord and I have learned it is not for everyone.

So like it is for some people and is not for other people.

And so finding not only what's most efficient for you, but what you enjoy the most.

Because again, you're going to spend time doing it.

No form of income is completely passive.

I would absolutely agree with that.

I mean when I buy one property it takes work doing that, but then you have to watch over it, make sure your property manager doing right.

So I just like the fact that I can work one time though instead of trading my time for money or basically selling my time.

That's really what you do when you're working for somebody else, you're selling your time.

And I really thought of this the other day.

So Warren Buffett is arguably one of the richest man in the world right now.

One of, one of the top ones.

And he is 94 years old, something like that.

So somebody listening to the show, let's say you're 30 years old.

I guarantee you 100% that Warren Buffett would literally give you all of his money, all of his businesses, stock, everything else and trade places with you.

You would get his money, his wealth, his everything.

But the catch is, and I want to pause for a quick second and share that honestly, I really want you to invest in real estate.

Now my new goal is to help 1 million people invest in real estate.

So two things I would ask from you.

Number one, if you get anything out of this episode, please share it with somebody else.

Just say, hey, you know, check out Dustin Master Passive Income.

He really wants to Help a million people to invest in real estate.

That's number one.

Number two, I want to get you to invest in real estate.

Get my real estate investing course, absolutely.

For free.

Text the word rental R E N T A L 233777 rental to 33777.

I'll literally give you my course, show you how to find the area of the country to invest, how to build the business first.

You know, I always talk about that and how to find the right properties, how to make sure you're getting experts do the work for you and scale the business to where you're making $250 or more in passive income.

Scale it to quit your job.

I'll literally get to you.

Or go to masterpassiveincome.com freecourse.

Obviously it'll be in the description, but I really, really want you to invest in real estate because the more that actual normal, everyday people own real estate that are good landlords, the better everybody's life gets.

You would also trade your age, where he would become your age, 30 years old, young, you know, young.

30 years old, obviously is not actually possible.

But if it were possible and you would be 94, but you would have all his billions of dollars, he would do that in a heartbeat.

Because you absolutely spend your time and never get it back.

You can never make any more.

Like you said, it's not a renewable resource at all.

You could only spend it.

And so having that mentality that, oh my goodness, if Warren Buffett would trade places with me, what am I doing with my life?

What am I spending my time on?

Am I doing what I can?

Because I guarantee if Warren Buffett went back and if he took his brain and everything that he had now in his brain and he was 30 years old, he would do it over much faster, in my opinion, because it's, it's all a mindset.

So I love that perspective and how your mind being frugal with your mind, not wasting it on other things or like man, just binging shows after shows after shows, that's a waste of your mind.

That's also a waste of your time, which I love it.

Now you have the direction of the frugal fans.

You wrote a book and this book helps people to buy the things that they love without going broke.

So let.

I want to talk about that.

Like if somebody is frugal, because I'm very frugal.

A lot of my listeners know that I'm frugal and more likely they're frugal as well.

But we also have things that we want to buy as well that would enhance our lifestyle, our lives in general, and not feel like we are being guilty for spending that money.

But what are your thoughts about that?

Yeah, so I, I find a lot of people like in the business world who are like growing their wealth, investing, maybe financial independence, like stuff like that.

So they have the opposite problem of a lot of our listeners and that, that they are hoarding money in order to do really good things with things that we're being told are responsible with money.

So we're being fed, like put your money into your real estate business or put your money into index funds, all that stuff to where we're not valuing the time in the now.

This is time you will never get back.

Right, but how do we, we know that, right in our heads we know that.

But how do we practice it?

And how do we practice it in our spending?

And so we came with this as easy to follow as possible framework for values based spending.

Because when you can align your spending with your values, you can spend more freely on it without guilt, but you can also prioritize the value over the things that you are buying to get it so that you can budget your time and your other resources simultaneously.

So maybe you're getting more of those values for free and so you're filling your cup that way.

So you're spending maybe a little less time making money, but maybe that is fulfilling one of your values and you're spending more time with these other values that maybe you've been neglecting and which case causes you to impulse spend less.

Or if you do end up then spending on one of these values, you don't feel guilty because you know your money's going to the right place and you know it's just as valuable as an investment in a property or an index fund or something like that.

We value them just as highly.

And we found that we based it on this concept of Maslow's hierarchy of needs, which is also considered a hierarchy of motivators.

Because at the bottom, at the base of this hierarchy are basic needs.

That's money, food, water, shelter, all of that.

The things that personal finance traditionally stops, like full stop, after you've got those things, then you're fine.

Everything else is superfluous, it's just a want.

In reality, we see that if we don't value these needs, these higher needs as much as our basic needs, we don't stop spending on them.

We just spend to get them into different ways, ways that don't fully Meet the need.

And they tend to be ways that marketers are telling us to meet the need.

So those needs are friendship, family, belonging, connectivity.

That's the foundational higher need that so many of us are after.

Above that is self esteem, self confidence, respect from others.

And so that can look like spending on luxury cars, brand new cars, hobbies like brand new shoes and clothes to start a running hobby that you don't know if you even like yet.

Or skincare products, makeup, fitness, nutrition things, stuff like that to increase our self esteem, when really the issue is the lack, lack of self esteem, not the lack of products.

And then above that, we have self actualization, which isn't actually what it sounds like.

It's not like transcendent self, you know, fulfillment where you're like floating or something.

It's actually just the feeling that you are living in your.

You feel like you're living up to your full potential.

So you have the space to be creative, innovative, spontaneous.

You feel like you're independent, you're able to be independent.

Nobody's keeping you down.

That has been a core American value since the creation of our, of our country.

And for better or for worse, it's kind of.

It's gotten to the point where we want to be so individual that we're calling Ubers instead of asking friends for a ride to the airport, and we're delivering in Uber eats instead of seeing if like neighbors want to get meals or want to contribute.

It's like potluck sort of thing.

So these are just like big, big level examples.

But there are ways that we spend on these higher needs without realizing it because we don't value them as highly.

And so that is kind of when we realize what our values are, then we can spend time and money on them more without guilt and lead more fulfilling lives and probably save money.

I like that vision or the direction that you figuring out your values and then going in that direction because that really helps somebody to honestly not necessarily say like fulfilled, but like you're not.

You don't feel like you're being punished every single time you buy something.

You're punishing yourself or something like that.

So how do you find those values?

I know we have the Maslow's hierarchy needs, which are definitely like you need to have food and shelter, you have to have all these sort of things that you need.

But there are other things that help you enhance your life to make you more productive or what it might be.

But is there?

Do you guys have a framework to figuring out what those values Are that are outside of the basic everyday needs.

Yeah.

So we start, there's a lot of options.

So we've kind of distilled it down to four main ones that most people have said in our community and are.

It's backed up by the hierarchy.

Most people are the are finding that these are their core values and there's.

But it's like an 80, 20.

So 80% of the time it's one of these four and then 20% it's, it's somewhere else on the hierarchy.

And those four things are family, friends, faith and fulfilling work.

All F words because frugal friends love F words.

And so these, all four of these can meet your needs on every level of the hierarchy.

And for fulfilling work, it's not necessarily like you're working for like you know, a non profit or you're doing something altruistic, but it's, it's you're meeting those needs where you're able to be creative, you're able to feel individual freedom, you're able to be spontaneous.

So it's things where you feel like you're contributing well whatever industry you're in or you at least enjoy it.

So when we start with those four and then we can branch out from there, we can really tie a lot of our purchases that may not seem directly tied to anything usually back to one of those things.

So like I use coffee for an example because it's easily relatable.

But I buy a lot of coffee nowadays.

It's mostly ground and I make it at home.

But it used to be I was going through the Starbucks drive through, I was having lattes at coffee shops, all this.

And so when I looked back at all the ways that I was spending money on coffee, they were not identical.

I love coffee.

But when I look back, I couldn't remember every single latte I had.

Not every single latte was equally meaningful.

When I look back at the ones I could remember, they were either really great quality that made me feel like, like I don't know, fancy or just tasted really good.

They were just of very great quality.

Or I was getting coffee with a friend.

So they were meeting these needs of feeling like I was living my true self, I had found my true interests and I was living them out and then feeling like I was getting more connected with a friend.

These ones that were in the drive through or I was just in Target, wanted to hold a paper cup while I walked around, stuff like that meant nothing to me.

I couldn't remember them.

And so I made the Decision to cut out any latte that wasn't really good and got me more connections with friends.

I made sure it was a double hit, and that saved me a ton of money.

Didn't cut it out of my life because I still loved it, but it gave me a parameter so that every time I did spend on it, I felt really good about it.

That's fantastic.

And I like that.

Understanding that when you're spending money, there are other things that come with that, or you feel different things, or you have a connection to a friend through that.

And I wholeheartedly see that in your.

In everything that I've done as I'm running through.

Because as you were sharing that, I was like, oh, yeah, you know, the times that I had this experience when I spent this money, it was so much better than this other experience.

So I love talking about the direction of how we can buy more.

But at the same time, some people might even even be listening and saying, man, I'm not even frugal and I need to start saving money so I can invest or I can, you know, get out of debt or whatever it might be.

What are some tips that you can give to somebody?

And that was great that the idea of the coffee is a great tip.

Is there anything else that somebody said, I want to be more frugal, but I don't know how.

How do they get started on the path of frugality?

Well, one of the ways I found out that not all coffee purchases were created equal for me was.

Was from doing a transaction inventory.

So that's where we tell people to start.

Don't start with a budget.

Don't start with a future plan.

Start with looking at what you're already spending on, because that's going to tell you what you value.

Don't force yourself into values that you don't really have.

Look at your past 90 days of transactions and look for patterns.

So we use the atomic habits like habit cues.

Look at what was like the preceding event that happened before I started making this purchase over and over.

Like, do I stop at Chipotle on the way home from the grocery store every Sunday?

Or what is the time?

Am I going through that Starbucks drive through every morning on the way to work?

Look at that.

Or other people, am I getting drinks with this person every Friday?

So we're looking for patterns, and the patterns are going to be able to tell us what needs to change or what we may want to change.

So if I have a habit of meeting up with people and just automatically saying, let's go get a drink, then that's a habit that I can change.

And so when I want to hang out with someone, maybe I say, hey, come over to my house.

So that's the first tangible step, is to look back at 90 days of your spending.

Even if it's over holidays.

I know a lot of people will be like, oh, I'm just going to not look at December because it's so crazy.

It's so different than the rest of the year.

No, the point is to make changes from where you are at now, not how you were spending in October or over the summer.

Making changes starting now.

Your most clear recent picture of what your spending habits are.

Because we develop a lot of spending habits from these altered seasons.

And so we want to course correct as quickly as possible and catch them as quickly as possible.

That's brilliant.

Because if you're going to go back and look at your best past 90 days of how much money you spent and where you spent it on, you're going to be able to see what you value.

You know, if you look at somebody's checkbook or their credit card statement, you'll see what they value because that's what they put their money towards.

They're not going to, let's say they, they, they love playing golf.

Well, they put a lot of money towards golf, but somebody else who doesn't even know that golf exists in a sense, like they don't care.

They're not going to spend any money in golf, you know, so your money goes to the things that you value.

And then when you're spending, you're like, I also try to think, do I actually not just need.

Because you don't necessarily need everything that you spend on, but is this really going to enhance my life?

Is it something that I can go without?

And that really helps me to make sure that I'm buying something or spending my money on something that is going to be.

And I like your point of having other, other than just this one product, like buy this one thing.

Then you get that.

Well, are there other things that come with it that relate to it, like relationships or a feeling of excitement or whatever it might be, but it helps you rather than.

That's one product.

So I think that's brilliant.

Now, Jen, you have a book coming out.

What.

So it's, I'm assuming it's going to be everywhere, just like, you know, all, all books are.

But like, how can people.

Because we have Frugal Friends podcasts.

I definitely want everybody to check out the podcast.

Your Frugal Friends podcast with you and Jill talking about frugality, helping people to, to do all that sort of stuff with finances.

And then you'll have the book.

So I want people to go out and buy it.

So tell us a little bit more about the book and where they can get it at.

Yeah, so buy.

What you love without going broke is broken up into three parts.

The first part is to identify what you love, figure out where your highest values are.

Kind of understand more clearly that spending is a skill that can be learned.

It's not an identity.

There's not like spenders and savers.

Everyone can be a saver and everyone is a spender.

And so the second part is say no to what you don't love.

And so that's where we geek out a little bit about the history of marketing and how our consumerism isn't all our fault.

It's very carefully played.

And it started with this guy named Edward Bernays who's the nephew of propaganda Freud.

Yes, yes.

All the market in the modern marketing that we experience today started from the literal father of propaganda.

So we geek out and.

Right.

And we, we talk about impulse spending, how we can create, like, different ways and different barriers to control our impulse spending, not Stop it.

Because we don't think impulse spending is bad necessarily.

It's just making sure that your impulse purchase is something you value versus something you don't or that you're being marketed to think you value.

And then the last part is, don't go broke.

And I think this is the most important section because we could do all this stuff if we lived in a vacuum, right?

But we don't.

We live around other people.

We live in spaces.

We live in environments.

And so how do we curate those environments to set ourselves up for success in the best way we can?

Because we can't control everything.

There are things outside of our control.

So how do we play into that?

Control what we can and live within what we can't control.

That's terrific.

And I love the idea that you have these three parts and then ending on don't go broke.

Because, man, I, I, I definitely am more in my family or my wife and myself, I'm more the spender.

She's definitely the saver.

You know, whenever she wants to buy anything, she actually, and it's not me at all.

She just calls me because she says, hey, this thing is like, $5.

Can I buy it?

I'm like, yes, babe, please, go ahead.

Like, you don't have to call me.

But she does because she's, she wants that permission to spend money.

Not that she needs it at all.

We have enough money.

But it's, it's like it's trying to make sure that it's another check to make sure.

Do we actually need something like this?

Is this something like.

Because she doesn't want to, you know, waste money too.

So she's definitely the frugal one.

That out of between us, a scale of one to ten, she's a ten.

Frugal.

I'm like a seven or eight.

And so I'm trying to reach to her level, but it helps in general.

But man, Jen, this is so fantastic.

I could definitely be talking to you forever.

But I want people to check out your podcast.

How can other people reach you online?

Yeah.

So Frugal Friends comes out twice a week.

Wherever you're listening or watching this podcast.

The book is at buy what you love book.com and we are on Instagram at Frugal Friends podcast we just post a bunch of memes is really what we do there.

I love memes.

The podcast is super helpful and the Instagram is just lots of memes.

Lots of.

I found that I laugh so hard at memes for some reason I, I think it's like this too.

Yeah, I see them.

I'm like, dude, that is funny because you see like one thing that just.

I don't know why, but my brain loves, loves memes.

So I'm definitely be following you guys.

But yeah, everybody definitely check out their podcast.

Fantastic podcast.

As well as get their book.

Should be coming out actually by the time we release it should be coming out like the next week or two.

But definitely go get pre order the book.

But also, Jen, thank you so much for being on the show.

I really appreciate you.

Thank you so much for having me.

And that is it for today.

Go ahead and get my free real estate investing course, Texas word rental.

The 33777 R E N T A L to 33777.

You can also join my real estate wealth builders group coaching, get all my courses.

All right guys, we'll see you in the next show.

See ya.

Sat.