My Top 80 Ways To Save Money Ranked

The easiest and most repeatable way to get rich is to increase the surplus between your earnings and spending, then invest that surplus and stay the course for a decade or more.  To be fair, no one gets rich by simply cutting out morning coffee and pinching pennies alone.  However, it has been my experience that a thrifty mindset early on in the journey does much more than just save a few bucks.  It actually increases your mindfulness of value in our society.  It reprograms the way you differentiate wealth from status, value from luxury, and needs versus wants.  I credit this mindset on money for saving me over $100,000 without ever having to give anything up on my journey to financial independence. 

Is it A Waste of Time To Pinch Pennies?

While insanely extreme frugality, is easy for others to mock (like anything on the fringe), it is no more insane than the other end of the spectrum hyper spend and debt culture in which many of us were raised.  If you are living paycheck to paycheck, spending 10% less is the same as getting a 10% raise.  In fact, adjusting to living on 10% less means you need 10% less forever, while simply making 10% more only matters at the job you have now.

With all of this in mind, what are some practical and impactful ways to reduce spend and save money?  On this ranked list of the top 80 ways to save money, you’re bound to find a few hacks to give yourself a raise in that surplus of savings over spend to rev up your investment balance ASAP.

Not All Penny Pinching Is Created Equal

Shutting off lights when you leave the house is not even in the same league of saving you money as moving to a more affordable apartment for example.  The following list is ranked starting with the biggest money savings tips then working down from there.  However, some of those things toward the bottom may only take a few seconds to do and can really add up, while those at the top may require bigger sacrifices.  Dig in and find the ones that work for you:

The Top 80 Ways To Save Money Ranked…

#1 Live In Dirt Cheap Housing

*Value Estimate = $4000-$7500 / yr.

On average, we spend about 1/3 of our money on housing. Reducing this cost can make a huge difference. Living with family goes even further and can mean $7200 into savings if your rent was $600 per month.

#2 Get A Room Mate

*Value Estimate = $3000-$6000 / yr.

If your one bedroom is $1000 per month but a 2 bedroom is $1200, you can still have your own private bedroom and just share a common area and pocket and extra $4800 per year for example.

#3 Walk Or Bike Everywhere

*Value Estimate = $140-$6000 / yr.

Walking and biking gives you a hot bod, keeps you healthy, and saves you money. Getting rid of that car all together saves huge bucks but even a couple of substitutes of a walk or bike over driving can add up over a year.

#4 Buy Used Cars and Drive Them into the Ground

*Value Estimate = $2000-$4000 / yr.

Some cars lose 40% of their value or more as soon as that new car leaves the lot. Buy used and drive it to 300k miles when it turns into scrap metal. It is really kind of crazy that we spend more on our cars than on food in the USA. The US average is a new car every 6 years. If you can make it 10 years between cars, that is 4 less cars you have to buy over 60 years. Putting that cash into compounding investments can make a retirement.

#5 Buy Super Cheap Groceries

*Value Estimate = $500-$4000 / yr.

For the average American, food is the third biggest expense (behind housing and transportation). In college I lived on a huge bag of potatoes and onions for breakfast almost every day for a year. Bulk Oats, or ramen noodles are similar. Eggs are affordable protein. If your cost per meal changes from $4 to $0.30 for a year, that is a savings of over $4,000. Even eating less meat or buying generic brands can really add up over a year.

#6 Never Carry A Credit Card Balance

*Value Estimate = $800-$3000 / yr.

This value estimate is based on the average American carried credit card balance over a year. If you need convincing that carrying a balance is a bad idea, check out The Most Important of All Practical Money Skills.

#7 Vacation at a Friend’s / Relative’s House

*Value Estimate = $1000-$2000 / yr.

$100-$150 per night hotel rooms add up even if it is only a week or two vacation per year. We often tell ourselves we need a break. We deserve a vacation. Tuck away that cash now and you could be vacationing every day later when you are financially independent.

#8 Buy Online Rather Than Paying Retail

*Value Estimate = $1000-$2000 / yr.

If you buy stuff at the mall, you are actually paying for an experience. Retail just means with overhead added. Buy it online for 20% less. This also prevents impulse purchases because you need to see it in the store and still want to buy it later when finding it online.

#9 Quit Smoking and Vaping

*Value Estimate = $730-$2200 / yr.

I won’t lecture you about the health effects. However, I will point out that if you smoke a pack of $6 cigarettes per day, that is $2190 per year. An RJ Reynolds tobacco executive once said, “We don’t smoke that s%*#. We just sell it. We reserve the right to smoke for the young, the poor, the black and stupid.” Um, ok enough said.

#10 Repair Your Own House and Car

*Value Estimate = $600-$1800 / yr.

It is easier than you think and youtube has a video for almost every repair imaginable. Also, self reliance feels good while saving you thousands. Why pay a service guy $100-200 just for the house call when you are already there and can easily learn some basic plumbing or how to swap some brake pads out.

#11 Refinance Your House

*Value Estimate = $1000-$1400 / yr.

Housing is 1/3 of the average person’s budget. a 1% change in interest rate can mean around $100 less in monthly payments on a $160K mortgage ($1200 per year).

#12 Get Rid of Cable

*Value Estimate = $360-$1800 / yr.

Think of how much more money you can make using that time better. Or pay much less and just get Netflix. In urban areas, you can get most network channels free with a cheap digital antenna.

#13 Carpool To Work

*Value Estimate = $250-$1500 / yr.

Only driving half time = less stress and more dollars.

#14 Bring Lunches To Work

*Value Estimate = $575-$1000 / yr.

Saves time, money, and is generally healthier than restaurants.

#15 Use Mass Transit Bus / Subway

*Value Estimate = $350-$1100 / yr.

At the right times and to the right destinations, it can be faster and more convenient to driving. The cash savings adds up.

#16 Attend Events For the Free Food

*Value Estimate = $100-$1250 / yr.

When I was going to a huge university, there was always some event on campus with a free lunch. I sometimes averaged 3 per week. You also may just learn something or meet someone while ducking in at the end of the presentation for that free tastiness.

#17 Don’t Buy Coffee / Bring Your Own

*Value Estimate = $200-$1125 / yr.

It’s true that just skipping coffee won’t make you rich but a $5 coffee every workday is around $1200 over a year. Put this savings together with others on this list and invest that surplus. Then you literally can get rich.

#18 Workout Outside No Gym Membership

*Value Estimate = $120-$1200 / yr.

If the movie Rocky IV taught me nothing else it was that training harder beats training with better equipment. Some health insurance providers will pay for gym memberships if requirements are met. This could effectively mean a free gym membership. Also, local community centers and workplace gyms are often way way cheaper or free.

#19 Negotiate Your Insurance / Shop Around

*Value Estimate = $300-$1000 / yr.

The insurance company knows that they can raise rates every year and most people are too lazy to shop around. Take an hour to get some competitive quotes. Get paid a doctors salary for that hour of work through the savings.

#20 Travel To Cheap / Currency Advantaged Places

*Value Estimate = $300-$1000 / yr.

Take your vacation in a place where your dollar buys way more. The experiences may feel even more fun knowing that you are saving a bundle.

#21 Be a Vegetarian or Hunt

*Value Estimate = $350-$950 / yr.

Meat is the most expensive part of most grocery bills. Reduce it or cut it out completely for health and money benefits. As an alternative to store bought beef, hunting can be a source of 60-100 pounds of organic free range venison right out your back door if you live in the right area.

#22 Use Free Wifi Only

*Value Estimate = $300-$950 / yr.

Free Wifi is everywhere these days. Or consider splitting wifi with a neighbor.

#23 Use Rewards Credit Cards

*Value Estimate = $170-$1000 / yr.

Some would argue that this tip should rank higher on the list. Extreme credit card hackers can get over $5000 per year through bonuses and cash back. However, at the base level, most of us can at minimum get 1% off everything we buy on a credit card through cash back rewards and there is often some reward for signing up. Why leave this free 1-2% on the table?

#24 Buy Clothing on Clearance / Off Season

*Value Estimate = $300-$700 / yr.

Shopping at discount stores such as Burlington, Ross, or TJ Maxx has saved me loads of cash on the same name brand items as the other stores. Go to the clearance rack in every store first before paying retail. Also, buying end of season can mean deep discounts.

#25 Get Rid of Your Land Line

*Value Estimate = $240-$720 / yr.

Who Still Uses these? Around 40% of American residences still have one of these? Ok boomer.

#26 Buy at Costco / Bulk

*Value Estimate = $300-$600 / yr.

Buying at discount stores like Walmart or Sam’s Club and buying in bulk is tricky. It doesn’t always even mean a cost savings. Sometimes you just end up with a 5lb block of cheese for a similar price per pound. Waste can really kill the value. However, being savvy with price comparing and using bulk purchases strategically can really add up. Especially for those who have a big family to feed.

#27 Grocery Shop By What is on Sale

*Value Estimate = $300-$600 / yr.

Some say that you should have a list before shopping to avoid impulse buys. I disagree. If I went to the store to make Salmon but Shrimp is on sale for half the price, I change my plan. Having flexibility and being able to buy what is seasonal and on sale and then make substitutions adds up.

#28 Save and Use Leftovers

*Value Estimate = $250-$600 / yr.

It seems weird to me that some people view the same food that they just paid $17 a plate for as garbage if it becomes leftovers. Throwing away extra food at home after a meal seems similarly crazy because it adds up to throwing away hundreds of dollars per year. I always save my leftovers or just eat them and then skip my next meal. Food in the belly and money in the bank.

#29 Skip The Cocktails or BYOB

*Value Estimate = $120-$720 / yr.

Restaurants make insanely better margins on cocktails than on food. $18 martinis or $12 margaritas should be for the wealthy. Skip the drink to save the cash. Or BYOB if that works. Ok I will admit it, there was a time in college where I would spike my own coke with a mini bottle. But now I can buy $12 margaritas if I want to. You can drink at home for cheap and then go to dinner or a club right?

#30 Use a High Interest Bank Account

*Value Estimate = $170-$600 / yr.

The cash that you have sitting in a bank account should be earning interest. Some banks don’t give you this interest and instead pocket it for themselves. Why give this free money to banks. Even 1-2% yield adds up to hundreds over a year on an average balance of $6000-10,000. Also watch out for bonuses to those who open new accounts. These can be worth hundreds of dollars in money savings as well.

#31 Camp More, Hotels Less

*Value Estimate = $100-$600 / yr.

Camping is just plain fun and can even be free if you do it right. Some destinations such as National Parks are best experienced through camping. Trading even one or two nights per year in a hotel for camping can save hundreds. Also, for those with kids you owe it to them to take them camping.

#32 Don’t Buy Cheap Junk, Buy For Value

*Value Estimate = $250-$400 / yr.

Buying the best all the time is a waste of money. However, if you buy the $5 version of a $7 tool, you may end up spending $10 for the same life of use when the first one breaks. Saving money is only a savings if the quality is similar. I have owned the same $400 jacket for 22 years. That is a high price tag but it has been a great value. I rarely go for the ultra cheap version when it comes to furniture and tools for example.

#33 Fridge and Pantry Audits

*Value Estimate = $200-$400 / yr.

Did you know that 30-40% of our food supply in the US is lost due to waste? Auditing what is in your pantry and freezer periodically and then planning meals around it before the food goes bad is less wasteful and saves money.

#34 Seek Out Free and Reduced Cosmetics

*Value Estimate = $100-$480 / yr.

I have read estimates that women spend $300K on cosmetics and beauty over a lifetime. These name brands can come with huge markups. Taking advantage of free samples, similar performing off brands, and discount sources can save hundreds.

#35 AirBNB & VRBO Rather Than Chain Hotels

*Value Estimate = $140-$400 / yr.

These small places often have charm and memorable experiences that hotels do not. These small places also don’t have the overhead of a 50 person staff and marketing organization so rates can be at a big savings.

#36 Keep The Heat Low and Bundle Up

*Value Estimate = $60-$400 / yr.

In Japan, houses are kept really cold in the winter. There is even a common piece of furniture called a kotatsu that is a table with a blanket and heater built in for the family room. This can save some cash. I have read estimates of $10 per month per degree that the heat is turned down. This can provide a moderate money savings at the price of a colder house.

#37 Cut Your Own Hair

*Value Estimate = $60-$400 / yr.

I will offer that this one is much easier for traditionally male hair styles. Even doing a trim between cuts with an electric clippers can mean half as many haircut costs per year.

#38 Brush and Floss Your Damn Teeth

*Value Estimate = $25-$400 / yr.

Fillings and crowns are expensive and dental insurance often comes with co-pays and has low coverage maximums per year. Not taking care of your teeth can result in much larger expenses as you age and require orthodontics and implants to prevent looking like a pirate and chewing like a jelly fish.

#39 Cancel Unused Subscriptions

*Value Estimate = $120-$300 / yr.

It only takes minutes but can save hundreds. Don’t let those unused subscriptions keep milking your bank account.

#40 Do Happy Hour

*Value Estimate = $100-$300 / yr.

$16 drinks may feel sophisticated. Maybe you have worked a long day and feel you have earned it. Instead do a happy hour and shop that menu for half price drinks and food value. You can save hundreds over a year by going out to happy hours rather than dinners.

#41 High Efficiency Lightbulbs

*Value Estimate = $150-$250 / yr

New super efficient bulbs use about 1/10th the energy as those old filament bulbs that were more heaters than lightbulbs. Every year you think you are saving money by not swapping out every bulb in the house, you are actually losing hundreds of dollars in electric costs. Also, each bulb can heat the room as much as a person’s body heat. Why are you heating your blazing house in the summer with those old bulbs?

#42 Go To Free Events Rather Than Paying For Entertainment

*Value Estimate = $120-$250 / yr.

This one is especially true for those close to big cities. There are sometimes hundreds of free events every day. You don’t always have to pay $40 to see some music or $100 for canvas and cocktails. Find a free event and pocket the cash.

#43 Carry a Water Bottle and Re-use

*Value Estimate = $52-$300 / yr.

That water in the plastic bottle is often the same stuff from the tap except it has been sitting in a plastic bottle and may have leached phthalates in it. Why spend $2-3 on water when we have one of the best tap water systems in the world in the USA. Stop the waste and save the cash by carrying a Nalgene.

#44 Buy Groupons For Your Dates

*Value Estimate = $120-$210 / yr.

Not only will you look like a creative genius who planned something thoughtful, you just saved 40%!

#45 Use the Sun To Heat / Outside To Cool

*Value Estimate = $60-$250 / yr.

Close those shades on summer days and open them on super sunny winter days. Open the window in the evening in Spring or fall rather than always cranking the central air.

#46 Repair Rather Than Throw Away

*Value Estimate = $90-$220 / yr.

Shoes, furniture, appliances, and clothing can all be repaired rather than throwing away. Extend the life and save money.

#47 Shop Smart For Airfare

*Value Estimate = $50-$250 / yr.

Set flight alerts and shop over time to find the best prices. The time of week you shop and your browser cookies telling the website of your past viewing history can change the prices offered for airfare. Get savvy and save hundreds on trips.

#48 Get Better Rather Than Buy Better Gear

*Value Estimate = $50-$250 / yr.

Sometimes we think that if we want to get good at something we should buy the best gear. This is often misguided. Buying $3000 golf clubs will not fix your flawed swing. Waiting to buy the better gear until you have truly outgrown the existing gear can save money.

#49 Use Student ID Discounts as Long as Possible

*Value Estimate = $60-$240 / yr.

Many things are set up to help students that are on a tight budget. These are subsidized in a way by those that pay full price. Remain a student as long as you possibly can with that student ID. Wait you are telling me you have gray hair because you just have a rare rapid aging disease? You may be pushing too far.

#50 Churn Your Cable Provider

*Value Estimate = $50-$240 / yr.

Most cable providers have promotions with steep first year discounts. These work because most of us are too lazy to keep track and change out our service when paying double the following year. Shop around and change service providers to save money.

#51 Give Home Made Gifts

*Value Estimate = $40-$240 / yr.

Home made gifts can be thoughtful and personal. Even swapping out a few of them for purchased ones saves money.

#52 Restaurant Coupons and BOGO Days

*Value Estimate = $20-$250 / yr.

Don’t leave money or food on the table.

#53 Buy Refurbished Appliances

*Value Estimate = $100-$150 / yr.

Factory refurbished appliances often carry the same warranty as new, contain all new parts, and had to pass the same testing as the full retail ones. The only difference is that they had to be re-worked. This can mean big money savings. I have also used refurbished appliances at rental properties where appliances are often trashed before their lifespan has elapsed. Why buy new if it gets trashed every 3 years anyway for example.

#54 Buy Discount Meats and Food Save / Deep Freeze

*Value Estimate = $40-$200 / yr.

Often supermarkets sell something below cost (called a loss leader) as a promotion to get people in the store. Meats are a popular one. Stock up and throw it in a vacuum sealer and deep freeze and it will be good for at least a year and often longer.

#55 Change Your Insurance Deductible

*Value Estimate = $40-$200 / yr.

If you rarely need healthcare for example, consider a higher deductible. If you often do, consider a lower one. Actuarial tables play the odds for insurance companies but you know more about yourself than them. Optimize that information to pay as little as possible.

#56 Get a Coupon Code Online

*Value Estimate = $20-$200 / yr.

If you are at checkout online and there is a box for a coupon or promo code quickly open another browser window and google it to see if you can find a code and try it. Often 30 seconds can save 10-20%. Sometimes up to 50% or more.

#57 Keep Furnace Air Filter Clean

*Value Estimate = $80-$140 / yr.

Your furnace / AC is the biggest energy expense in most homes. The blower fan from your furnace / AC can only get all that cold or hot air where it needs to go if the filter is clean. Keeping the filters changed and clean can save up to 15% on energy costs. This is another one that only takes seconds but saves some real cash.

#58 Buy Last Year’s Model

*Value Estimate = $60-$150 / yr.

Every year they invent something that makes last year’s model old news. Just make those changes one year later than everyone else and save. Often the new tech has bugs anyway and you can give others a year of overspending to find them for you and avoid mistakes.

#59 Always Choose Water

*Value Estimate = $60-$130 / yr.

Softdrinks are $2-3.50 at restaurants but the cost to the restaurant is about 1/10 that. Food costs on the other hand are 1/4 to 1/3 the menu price. Eat the food but avoid the heavily marked up carbonated sugar water. Save the money and prevent diabetes at the same time.

#60 Low Flow Shower and Toilet

*Value Estimate = $40-$140 / yr.

Making your toilet and/or shower low flow by using inserts to the toilet tank or shower head will save you a bit of cash but not as much as keeping your furnace air filter clean for example. That is why a ranked list like this is super helpful in prioritizing your effort versus your return. None the less, why not do both?

#61 Wash Your Own Car or Leave Dirty

*Value Estimate = $60-$120 / yr.

There is not much reason a car needs to be spotlessly clean on the outside. Wash it yourself with waste water or just leave it dirty for much longer and you’ll be driving all the way to savings town.

#62 Use Prescription Benefits / HSA for Medications

*Value Estimate = $20-$150 / yr.

The most expensive prescription I have ever seen is called Zolgensma and costs over 2 million dollars per dose. Needless to say the amount one can save on prescriptions is a huge range. The estimate above attempts to reflect an average person’s need of a couple common prescriptions per year. Some health plans have specific pharmacies or even online services to provide prescriptions cheaply. An HSA can also be used to pay for medications pre-tax. Lastly, you can ask your doctor to check if there is a generic that she can prescribe rather than a name brand to save a few dollars for the same treatment.

#63 Turn Off The Lights When Room Is Empty

*Value Estimate = $8-$160 / yr.

When going to bed or leaving for work, a few dollars can be saved by clicking off the lights and TVs.

#64 Recycle Your Old Cellphone & Computer

*Value Estimate = $15-$150 / yr.

Computers and phones can sometimes be traded in or resold for secondary market use. Even older phones and computers can be worth $10-20 for the scrap materials alone such as small amounts of gold and platinum in the electronics.

#65 Buy From Day Old / Discount Bakery Area

*Value Estimate = $48-$100 / yr.

These baked goods are often moved to discount same day and can be bought at over 50% off. Toasting or heating often makes bread taste fresh even days later.

#67 Do Your Own Oil Changes

*Value Estimate = $30-$100 / yr.

Oil Changes are simple and oil can be bought in bulk to save even more. This also gives you a chance to look at the car for other issues. I will admit that I sometimes just wait for a huge discount coupon and use it to have someone else change my oil for around $19.95. However, changing oil can save some money.

#68 Keep Tires Inflated, Air Filter Clean

*Value Estimate = $30-$95 / yr.

Keeping tires inflated to specification and properly rotated improves gas mileage. Making sure the air filter is clean can have an even greater impact on the engine functioning at highest efficiency. This all results in better miles to the gallon = more money saved.

#69 Wash Clothes In Cold Water

*Value Estimate = $50-$70 / yr.

Washing in cold water can extend the life of the clothing and requires less energy cost (heating water). Running everything on cold cycle can save a bit of change over a year.

#70 Bake Cakes Rather Than Buy

*Value Estimate = $18-$100 / yr.

Why not bake a cake instead of buying one all the time. Cakes can cost $8-12 for a cheap one but can be made for around $3. They taste better too.

#71 Buy Alcohol at Discount Store

*Value Estimate = $40-$70 / yr.

Buying a six pack or bottle of wine at the corner liquor store is often 10-20% more expensive than going to a large discount liquor store. Large stores are also able to bring in less mainstream wines by the case that are often a superior value. Planning ahead rather than buying some booze every time you go out for a weekend party can add up over a year.

#72 Set Up Autopay on Bills

*Value Estimate = $20-$80 / yr.

Avoid those costly late fees and credit dings.

#73 Buy Cheap / Bulk Shaving Razors

*Value Estimate = $10-$70 / yr.

No one needs 3 or more blades on their razor. Buy quality dual bladed razors in bulk at Costco or higher quality reusable ones. You can reuse these much longer than it seems. Rinsing well, and even running the bladed in reverse across denim or leather can help keep it sharp.

#74 Buy All Holiday Items After That Holiday

*Value Estimate = $20-$60 / yr.

Buy your holiday items on deep after holiday discount of 70% off or more. Store this holiday cheer stuff and re-use every year.

#75 Buy That Discount Fundraiser Gold Card

*Value Estimate = $10-$60 / yr.

These credit card shaped discount cards are usually sold for local fundraisers and the discounts often last for a year. The advantage over coupons is that you can develop a habit of remembering that these discounts are available for a full year and save money while also supporting a fundraising cause whenever the opportunity arises.

#76 Buy Diamonds & Expensive Jewelry Online / Resale

*Value Estimate = $20-$40 / yr.

Precious stones and jewelry carry huge markups when bought retail. Certified diamond engagement rings can be bought at reputable online dealers or resellers for up to 50% off.

#77 Use Work Office Equipment and Supplies

*Value Estimate = $12-$40 / yr.

Some workplaces expressly forbid you using their copier, printer, pens, and paper for the occasional personal need. Others either allow it or don’t care.

#78 Buy Boardgames at Thrift Stores

*Value Estimate = $10-$30 / yr.

If you like board games consider building a huge collection for about $1-3 a piece at thrift stores. Board games are an often donated item and there always seems to be a surplus. Triple your savings by playing that game with friends rather than going out and spending cash.

#79 Save Recyclables / Scrap Metal

*Value Estimate = $5-$27 / yr.

This one is great for teaching kids about money. Rather than throw away cans and scrap metal, have an extra bin in the garage. Fill it up and take these things to the recycler for cash back.

#80 Turn Down The Temperature on Your Water Heater

*Value Estimate = $6-$20 / yr.

If your shower at max heat is too hot to use, you are overheating your water. All day, that water heater is using electricity to hold that water at a higher temperature than needed. Take 30 seconds to turn the heat dial down a bit on your hot water heater and save a few bucks for free.

Did we miss a money saving hack? Add it in the comments below!

The list above focuses on reducing spend. This can absolutely jumpstart your journey toward wealth. However, raising your salary and investing are the other two steps. These 3 together are the powerful recipe for reaching financial independence and making work optional.

Reduce Spend, Increase Income, Invest!

While the top spend reducing tip on this list may save $4-7K per year, maximizing income can often mean targeting raises of over $10K. This together with the spending less tips above can really turbo charge the surplus between your income and spend. Investing this surplus completes the triple threat that has been the most repeatable way to financial independence that I have ever found.

I’m passionate about financial independence, happiness, successful habits, and adventure. Consider subscribing below to get a weekly email directly from me with a few thoughts and latest articles. It’s totally free and totally worth it, I promise.

*The ranking of this list is intended to be a rough measure to help in prioritizing which tips to implement yourself. All the savings per year figures in the list above are per person per year estimates. These estimates are based on the chosen implementation level experienced or envisioned by the author and the goods and service costs experienced by the author.  Your actual savings is dependent on your own personal expenses and the degree to which you implement the tip. Any constructive feedback is welcomed in the comments below.  Happy saving on the way to financial independence!!!