I feel the biggest gains come from just not spending money and investing that. How much have I saved over 20 years by not having a cleaning person. It’s staggering! 100k? No dry cleaning shirts ever, iron myself, hmm, 30k? Eating just cabbage and oats for a month? Cheapest vodka? I think one can get almost rich just being ridiculously frugal.
I did just break down and hire a cleaning person recently because my poor wife can’t take it anymore. Man, the place looks clean…but is it better to have money in the account or dust on the shelves?
