Speaker 1: Episode three thirty seven, how to adopt a frugal mindset.
Speaker 2: Welcome to the Frugal Friends podcast, where you'll learn to
Speaker 2: save money, embrace simplicity and life. Here your hosts Jen
Speaker 2: and Jill.
Speaker 1: Welcome to Frugal Friends podcast. My name is Jen, my
Speaker 1: name is Jill, and today we are doing another episode
Speaker 1: that is just Jill and Mine's thoughts. This is another
Speaker 1: topic that we are covering in the book that we
Speaker 1: are writing on values based Spending. And it's an early
Speaker 1: chapter because it's a foundational chapter on frugal mindset. But
Speaker 1: not like the woo woo mindset stuff, not like the
Speaker 1: mindset chapter you see at the beginning of every other
Speaker 1: personal finance book. This one, I think is really special
Speaker 1: to do frugality.
Speaker 3: Yeah, I'm excited to go through it. Not only does
Speaker 3: this help us to write our book, but I think
Speaker 3: solidifies for us our ideas on frugality frugal mindset. It's
Speaker 3: just a helpful refresher that, like you said, Jen, there's
Speaker 3: not going to be much on the internet about this.
Speaker 3: These are some of our own original thoughts that we've
Speaker 3: now pulled together over years of podcasting and talking about this.
Speaker 3: So where we typically go through two articles on the
Speaker 3: Internet based on the topic we're talking about today, we're
Speaker 3: not doing that. We're having a departure from our typical
Speaker 3: format to share with you all our perspective on what
Speaker 3: is a frugal mindset, what can be some of the
Speaker 3: barriers to it, what are the benefits? How do we
Speaker 3: practice this and acquire it and implement this type of mindset?
Speaker 3: So excited to get into that.
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Speaker 3: Do it so.
Speaker 1: A couple other money mindset episodes that we have done
Speaker 1: Episode two forty four how to Improve your Money Mindset,
Speaker 1: which is actually a rerun of episode one thirty nine,
Speaker 1: but then all of the other We've done several other
Speaker 1: just Jill and I perspective episodes. So we have episode
Speaker 1: three twenty five, the step by step guide to values
Speaker 1: based spending, and then also episode three thirty what is
Speaker 1: the Radical Middle and how to Live It? And then
Speaker 1: episode three thirty three we talked about how to prioritize
Speaker 1: paying off student loans, but we really cover how to
Speaker 1: prioritize financial rals in general and where to fit student
Speaker 1: loans in. So those are some really great episodes, and
Speaker 1: like we said, we are writing a book on this
Speaker 1: do out in twenty twenty five. We are just writing
Speaker 1: it right now, kind of using these episodes as standing
Speaker 1: boards to get our thoughts together and make sure that
Speaker 1: these original ideas are original before they go into the book,
Speaker 1: so that they live somewhere in the ether before they
Speaker 1: are written down into a book. Because we talk a
Speaker 1: lot about other people's ideas and our opinions on them normally,
Speaker 1: but this is these are our ideas. So let's dive
Speaker 1: into how to adopt a frugal mindset first, Jill, what
Speaker 1: is a frugal mindset?
Speaker 3: In my perspective, I think a frugal mindset is taking
Speaker 3: on a perspective that holds value for all of our resources.
Speaker 3: And you've heard us talk about this just in our
Speaker 3: definition of frugality of being good stewards of all of
Speaker 3: our resources. So this includes time, energy, money, relationships, physical space,
Speaker 3: and seeking to be good stewards of those things intentional
Speaker 3: in the way that we interact with them. So those
Speaker 3: are the actions, but the mindset that comes before that
Speaker 3: is a value for all of these things. And so
Speaker 3: I think it begins with how we look at these
Speaker 3: various resources, how we approach them, and our minds, our
Speaker 3: thoughts about them is what's going to then inform our
Speaker 3: emotions and actions towards these items. So everything starts in
Speaker 3: our minds first, and so this mindset of frugality is
Speaker 3: first and foremost valuing each of these things and learning
Speaker 3: how to hold them rightly before action then comes. Yes.
Speaker 1: I think also we talk like in values based spending,
Speaker 1: finding your values a lot of the times. When we
Speaker 1: talk about mindset in personal finance, it's growth mindset versus
Speaker 1: limiting mindset. So we talk a lot about how can
Speaker 1: I foster a mindset that is believing that I can
Speaker 1: increase my income, believing that I can decrease my expenses.
Speaker 1: But for us in frugality, we've always been people who
Speaker 1: lean more towards the action of personal finance versus the
Speaker 1: ideologies like what's the rightest right ideology is of little
Speaker 1: importance to us. It's what is going to be actionable.
Speaker 1: And so we've really come to find that curiosity is
Speaker 1: truly at the core of a frugal mindset. It's being
Speaker 1: curious enough to find ways to make more money. It's
Speaker 1: being curious enough to always be looking for ways that
Speaker 1: you can lower your expenses, not just enough to believe
Speaker 1: and have these affirmations like looking in the mirror and
Speaker 1: saying like I attract money, I believe money will come
Speaker 1: to me, or even believing that wealth is infinite as
Speaker 1: it is, we also believe that, but it's being curious.
Speaker 1: You can't control what wealth comes to you ultimately and
Speaker 1: what things cost. You know, you really cannot control what
Speaker 1: things cost, or even the jobs and what they pay.
Speaker 1: You know, those are things you can't control, no matter
Speaker 1: how much you believe that they're there. You can control
Speaker 1: how curious you are to pursue all of these things,
Speaker 1: and once you have a mindset of curiosity, then these
Speaker 1: other things start to fall into place.
Speaker 3: Yeah, I think it is a core component tool to
Speaker 3: adopting a frugal mindset, but it also is almost the
Speaker 3: state of being then that is integrated into our personhood,
Speaker 3: So not just practicing curiosity but also being curious and
Speaker 3: they kind of go hand in hand and creating a
Speaker 3: frugal mindset amongst other things. But again, if we're describing
Speaker 3: frugality in this broader term of being good stewards of
Speaker 3: all of our time, energy, and resources, then curiosity is
Speaker 3: going to be a really crucial way of getting to
Speaker 3: that point. But it's not as if we've arrived. Then
Speaker 3: it's this ongoing practice and honing of that mindset and
Speaker 3: continually being curious, which we will talk a little bit
Speaker 3: more about. But I also just want to describe, and
Speaker 3: this isn't an exhaustive list, but I do think that
Speaker 3: a person with a frugal mindset, some of the things
Speaker 3: that are going to describe them are seeing value in
Speaker 3: what they already have. So there's definitely gratitude and contentment
Speaker 3: that becomes integrated and attached within our thought lives. And
Speaker 3: then the way that we move throughout the world. When
Speaker 3: we have a value for the things that we've been given,
Speaker 3: whether tangible or intangible, it's then going to lead to
Speaker 3: knowing what brings us joy, what depletes us. These things
Speaker 3: are also going to inform how we engage with the
Speaker 3: resources around us, what new resources we want to be implementing,
Speaker 3: how we want to purchase, how we want to spend time.
Speaker 3: And then from there, the outflow of that is a
Speaker 3: person who has developed actions and behaviors around spending all
Speaker 3: of these resources, acquiring and spending these resources wisely and intentionally.
Speaker 3: So it really is this holistic view of how we
Speaker 3: exist within our environment, engage in relationships with our finances
Speaker 3: with ourselves that can be full of contentment, value, gratitude, intentionality, wisdom.
Speaker 3: I don't mean to get to wooy wooy about it.
Speaker 3: But I think that when we're talking about this whole
Speaker 3: personhood frugality, we do see benefits in all aspects of
Speaker 3: our personhood and that at the core of this a
Speaker 3: core principle, if you will, and being able to cultivate
Speaker 3: this mindset is also being able to cultivate curiosity, which
Speaker 3: we will say more on this, but I think it's
Speaker 3: a lack of shame and condemnation in how we kind
Speaker 3: of ask questions and learn more about ourselves just out
Speaker 3: of this observational curiosity. And I think now that we've
Speaker 3: described a little bit about what is it, how are
Speaker 3: we defining a frugal mindset? It's worthwhile to explore that
Speaker 3: all sounds great, but what keeps us from that? And
Speaker 3: I think that there are a lot of barriers that
Speaker 3: can happen. First and foremost just previously established patterns of
Speaker 3: relating and this can be for better or worse. And
Speaker 3: we're talking about patterns of relating with ourselves or with
Speaker 3: other people, with the world around us. How we are
Speaker 3: accustomed to engaging in relationships, engaging with our environment, our
Speaker 3: own self talk, which can be very much connected to
Speaker 3: our own understanding of ourselves and I will say one
Speaker 3: of the things that is a core component to the
Speaker 3: background and education that I've received in the mental health
Speaker 3: field is that each individual is an expert on themselves.
Speaker 3: We are all experts on ourselves. I can't ultimately tell
Speaker 3: you what is best for you at the same time,
Speaker 3: and that is true, But at the same time, that's
Speaker 3: not to the exclusion of the fact that sometimes we
Speaker 3: are inaccurate in our views on self, or views on others,
Speaker 3: or recollection of facts, the ways that our memories are
Speaker 3: sorted in our brains. Not that oh we're no longer
Speaker 3: the experts and don't take our words for it, but
Speaker 3: it's worth doing some of that deeper diving digging into
Speaker 3: is my view on self entirely accurate? Sometimes we need
Speaker 3: to pull in other perspectives. Is my way of relating
Speaker 3: to those around me the most healthy and beneficial ways.
Speaker 3: Sometimes we do things because maybe they've worked for us
Speaker 3: in the past, and that's all well and good, but
Speaker 3: is it still working Or this is just what I
Speaker 3: do because it did work at some point, but now
Speaker 3: it's not fitting the actual need. But I'm not even
Speaker 3: thinking about it. It's just happening second nature that when
Speaker 3: xyz happens, this is what I do, and so it's
Speaker 3: worth slowing ourselves down and identifying what's working what's not.
Speaker 3: But again that's going to be curiosity that helps us
Speaker 3: to discover that. I also wanted to go through a
Speaker 3: couple of these, and genuine I can kind of go
Speaker 3: back and forth on ones that stand out to us.
Speaker 3: There's a ton, so we can't go through all of them.
Speaker 3: It'll be in the book, but there's this whole list
Speaker 3: that you could even google it if you want the
Speaker 3: entire list of something we term in the mental health
Speaker 3: field limiting beliefs, and so there are these terms for
Speaker 3: ways and patterns of thinking and believing which our responses
Speaker 3: come out of that are not usually helpful to us.
Speaker 3: But yet we all have a collection of these. Sometimes
Speaker 3: we lean more into some than others. But for instance,
Speaker 3: over generalization can be one example of a limiting the belief.
Speaker 3: And this is, as its title would indicate, combining all
Speaker 3: of this information into one umbrella of oh, well, anytime
Speaker 3: there's clouds out it's going to downpour, I'd be like
Speaker 3: an overgeneral realization of what weather is like. And it's like, well, no,
Speaker 3: sometimes it's just cloudy and sometimes it rains and there
Speaker 3: are no clouds. Go figure. But we can sometimes overgeneralize,
Speaker 3: which can be a limiting belief for us. Any other
Speaker 3: stand out to you, Jen.
Speaker 1: Yeah, I mean I can see overgeneralizing in personal finance,
Speaker 1: just being like everybody has student loans, everybody has debt,
Speaker 1: nobody is able to buy a house anymore. We say
Speaker 1: those things all the time, and while it is true
Speaker 1: house prices are insane, cost of living is rising at
Speaker 1: an insane rate, we have to stop ourselves from saying
Speaker 1: everyone because it is more difficult, it is harder, But
Speaker 1: I think honestly that's more motivation to do it because
Speaker 1: of such like a heavy decline in the middle class. Granted,
Speaker 1: there's a lot more people coming out of poverty and
Speaker 1: low income statistically that percentage is much lower than it
Speaker 1: has been in the past, but the middle class is
Speaker 1: still that American dream is still eroding, and so I
Speaker 1: think it's that much more of a priority that we
Speaker 1: work toward it. So another thing that I see on
Speaker 1: this list that I hear a lot is disqualifying the positive,
Speaker 1: and so that is when you have an experience of
Speaker 1: trying to pay off your credit card debt or trying
Speaker 1: to save money, and you go day to day and
Speaker 1: life happens, but we tend to stick to remembering the
Speaker 1: bad things that have happened and all of the positive
Speaker 1: things that are happen. We can either forget or generalize
Speaker 1: a way, and we do this with our own accomplishments too.
Speaker 1: We really remember our failures and everything that we are
Speaker 1: good at. We can either say like, oh, anybody can
Speaker 1: do that, or we can simply forget how much more
Speaker 1: gifted you are than other people in your accomplishments. And
Speaker 1: so we do this, I think, with ourselves first and
Speaker 1: then we do it with our finances. So something in
Speaker 1: getting curious I always now think about that Jonathan VanNess
Speaker 1: podcast when I say that, But when you're getting curious
Speaker 1: with yourself, you can start to see these patterns where
Speaker 1: you say, these overgeneralizing things, and these places where you
Speaker 1: might disqualify the positive. And it's not going to fix
Speaker 1: it immediately, but it does help you once you realize
Speaker 1: that they are there, to notice them more so that
Speaker 1: you can fight against them so that you can be
Speaker 1: a better resource of your money by pursuing home ownership.
Speaker 1: If that's what you want, you can be a better
Speaker 1: steward of your time by pursuing the things that can
Speaker 1: make you more money or can get you ahead financially,
Speaker 1: even though you can't be successful at them one hundred
Speaker 1: percent of the time.
Speaker 3: I think sometimes that particular limiting belief can keep us
Speaker 3: from gratitude as well. When we're disqualifying the positive, then
Speaker 3: we're all just by proxy, we're probably looking at the negative,
Speaker 3: or we're not paying attention to what is around us,
Speaker 3: and even speaking of just tangible things in our environment,
Speaker 3: sometimes that's what can lead to impulse spending or throwing
Speaker 3: stuff away that could have been put to good use
Speaker 3: or given to somebody else. We can kind of see
Speaker 3: the tentacles going out of some of these limiting belief
Speaker 3: systems that can keep us from having a frugal mindset
Speaker 3: that benefits us. Another example of some limiting beliefs are
Speaker 3: magnification or minimization. Either one is a limiting belief, where
Speaker 3: magnification is often exaggerating and imperfection or an error. We
Speaker 3: can certainly get stuck here when it comes to our
Speaker 3: debt payoff efforts. Of I chose this debt, it's high
Speaker 3: interest will never be gone, and we're magnifying that issue,
Speaker 3: and off in times it can be such a halt
Speaker 3: to us in being able to then implement steps and
Speaker 3: practices that will help us experience something different when we
Speaker 3: are kind of taking literally like a magnifying glass to
Speaker 3: the thing and blowing it out of proportion than making
Speaker 3: it feel as though it's insurmountable. And on the flip side,
Speaker 3: sometimes minimization belittling achievement or strengths, but minimization can also
Speaker 3: happen where we even belittle a problem. I see this
Speaker 3: a lot of times, especially in our friends who are
Speaker 3: of a more advanced generation, who might feel as though
Speaker 3: they should have made decisions earlier in life to help
Speaker 3: their finances and so now it's oh well, I didn't
Speaker 3: say for retirement, but oh well, or feeling as though
Speaker 3: there's going to be no possible way to be able
Speaker 3: to see a difference in their financial situation, and so
Speaker 3: it's just minimizing it. Where we would say there's plenty
Speaker 3: of time no matter what age you are. Maybe not
Speaker 3: plenty of time, but there's opportunity to be able to
Speaker 3: see a difference in the financial landscape with even small
Speaker 3: steps taken. So these are examples of some of these
Speaker 3: limiting beliefs. Again, there's a more exhaustive list that you
Speaker 3: can look up and then eventually buy our book in
Speaker 3: twenty twenty five to learn more about it. But these
Speaker 3: are ways that we can experience barriers to adopting a
Speaker 3: mindset that's actually going to help us provide the space
Speaker 3: needed to experience different patterns of relating. Ones where we
Speaker 3: are valuing our resources, we're understanding ourselves, we're able to
Speaker 3: make positive choices for our financial situation, but also all
Speaker 3: aspects of who we are.
Speaker 1: The last one on this list I just want to
Speaker 1: touch on because it's one that I am personally guilty
Speaker 1: of all the time is all or nothing. I am
Speaker 1: a very like I used to say that was just
Speaker 1: my personality. I have a very all or nothing personality,
Speaker 1: and now I see that it's a limiting belief that
Speaker 1: that is not a personality trait, that's something that holds
Speaker 1: me back. So having this all or nothing mentality I
Speaker 1: see all the time is people are either all in
Speaker 1: getting their money right or all out all in paying
Speaker 1: off debt or all out spending money. And just the
Speaker 1: list goes on all out saving for retirement at people
Speaker 1: in the fire movement all in or nothing, not saving anything.
Speaker 1: This is common to all of us, this all or
Speaker 1: nothing mentality. Some people are more prone to it than others,
Speaker 1: but it is just another callback to the radical middle
Speaker 1: is we tend to as people want to live in extremes.
Speaker 1: We want to be extreme people. If you really get
Speaker 1: down to it and you're like, what is my dream
Speaker 1: there's going to be a lot of elements of extremism
Speaker 1: in there. So like extreme vacationing, like extreme cars, maybe
Speaker 1: extremely so. In my mind, an extreme vacation is just
Speaker 1: like being able to vacation where I want, whenever I want.
Speaker 1: It's not like skydiving or extremely cowless adventure. Yeah right,
Speaker 1: I need to, Like Rea, I need to reevaluate my
Speaker 1: use of extreme, but or having a brand new car
Speaker 1: and a four thousand square foot house and all of
Speaker 1: these things. When you think about, like what's my dream life,
Speaker 1: there is going to be some kind of element of
Speaker 1: something extreme. Usually it's just what we're prone to. But
Speaker 1: really taking time to sit back and figure out what
Speaker 1: is my enough? Like what's enough for me so that
Speaker 1: I don't feel deprived? But I feel like I'm flourishing honestly,
Speaker 1: like not just I have everything but that I need,
Speaker 1: but I have more than what I need. I practice
Speaker 1: this with my four year old. I say he loves
Speaker 1: cherry tomatoes as a snack, and I'm like, how many
Speaker 1: cherry tomatoes do you want as a snack? Like what's enough?
Speaker 1: I don't say that, but I'm just like, how many
Speaker 1: do you want? And He'll be like, oh, I want
Speaker 1: a lot? And I know what is a lot for me,
Speaker 1: but I don't know what is a lot for him?
Speaker 1: Are a lots are different? Are enoughs are different? And
Speaker 1: so I'm like, how many is a lot? And he's
Speaker 1: like seven, and I'm like, okay, man, I'm going to
Speaker 1: give you a lot of cherry tomatoes. And he is
Speaker 1: so excited because he has defined his enough and I
Speaker 1: have given that to him, not a tomato short.
Speaker 3: What a good mom.
Speaker 1: We should do that to ourselves so we don't trick
Speaker 1: ourselves into living into these all or nothing extremes that
Speaker 1: we tend to put ourselves in a small tangent off
Speaker 1: of that. But you get it.
Speaker 3: What an adorable example because you were helping him practice curiosity,
Speaker 3: not assuming you knew what he meant, and helping him
Speaker 3: to understand himself, what does this mean for you? What's
Speaker 3: a lot for you? And then he was able to
Speaker 3: answer that out of curiosity. There wasn't judgment there. Now,
Speaker 3: whatever we might decide, we might not always be able
Speaker 3: to do that. Maybe you know what, if there were
Speaker 3: only five cherry tomatoes, Okay, well then we're gonna have
Speaker 3: to adjust. We're going to go too far in this
Speaker 3: tangent of cherry.
Speaker 1: In that case, he doesn't get the choice, He just
Speaker 1: gets that cherry shoes.
Speaker 3: But that curiosity bit, so that gets us into the
Speaker 3: steps we can take to be cultivating a frugal mindset.
Speaker 3: Similar to all of our other steps, they're a little
Speaker 3: lucy goosey. There are definitely some sub steps, and maybe
Speaker 3: in five years we'll add more steps to it, but
Speaker 3: this is what we got for now. It is going
Speaker 3: to begin with curiosity. And when I describe curios I
Speaker 3: mean being observant, like you would a scientist looking at
Speaker 3: a new species that you want to understand. You know
Speaker 3: nothing about them, and you have no judgments for them.
Speaker 3: You simply want to know how do they do, what
Speaker 3: they do? How are they moving through the world. This
Speaker 3: is really hard to do for ourselves, but It's why
Speaker 3: I'm belaboring this concept because so often we consolidate information
Speaker 3: so quickly. Because for a lot of us, there's decades
Speaker 3: of life lived and you can synthesize. It's part of
Speaker 3: the beautiful things of our brains. But we want to
Speaker 3: slow down that synthesization process. Synthesize, synthesis. Yeah, I'm making
Speaker 3: up words now. This is what happens when we go
Speaker 3: row on original thought. In order to do that process
Speaker 3: well in a way that's going to help us understand
Speaker 3: ourselves better and maybe even discover that, oh, that pattern's
Speaker 3: not helping me. We've got to slow it down and
Speaker 3: act as if we almost don't know, so before we
Speaker 3: jump to conclusions, before we should and must on ourselves
Speaker 3: just be curious, look at it as if you don't
Speaker 3: know the outcome or consequence. You truly want to just
Speaker 3: know more about yourself, the world around you, and discover
Speaker 3: Some of this is going to begin with being curious
Speaker 3: about your own limiting beliefs. So looking at that list
Speaker 3: of possible limiting beliefs and identifying, oh, this might feel
Speaker 3: congruent for me. Yes, I do this a lot, particularly
Speaker 3: as it relates to our finances. Because that's what we're
Speaker 3: here to talk about mostly is personal finance. How do
Speaker 3: you look at, or approach or understand money? What are
Speaker 3: some of the things that you constantly and consistently run
Speaker 3: into when it comes to financial decisions, financial being behaviors. Again,
Speaker 3: we're not jumping to conclusions yet, we're not shaming ourselves.
Speaker 3: We're just being curious. And something that is very important
Speaker 3: in this initial process as we're seeking to learn more
Speaker 3: about ourselves is avoiding why questions. No shade on why
Speaker 3: why can be really awesome.
Speaker 1: Yeah, that's the first place my head went, too, So
Speaker 1: this is as much for me as it is you.
Speaker 3: But when it comes to being curious with ourselves and
Speaker 3: even others like loved ones too, this is actually a
Speaker 3: really helpful way of learning how to communicate with loved ones.
Speaker 3: Avoiding why questions as much as possible because they automatically
Speaker 3: put us on the defense. For instance, like hear how
Speaker 3: these two things sound. If I were to ask you
Speaker 3: why do you shop for clothes so much? Versus what
Speaker 3: is it about clothes shopping that you most enjoy? I
Speaker 3: am asking the same thing right like, at its core,
Speaker 3: I want to know about these clothes shopping behaviors, but
Speaker 3: asking the why can make it feel like, what do
Speaker 3: you mean? Is it a problem? And automatically I want
Speaker 3: to defend myself. I'm not in a position of learning
Speaker 3: or engaging in a really beautiful degree of curiosity. I'm
Speaker 3: just on the defense. I feel like I'm being put
Speaker 3: down and I've got to put up a wall. Versus
Speaker 3: the curiosity bit of as utilizing what how when questions
Speaker 3: to get deeper into what's happening for us here. This
Speaker 3: is going to be the appropriate version of curiosity that
Speaker 3: we're talking about, where we can ask ourselves. Okay, let's
Speaker 3: say it is clothes shopping that every weekend I'm going
Speaker 3: clothes shopping. I'm realizing I'm spending a lot of money
Speaker 3: on this. I've got a ton of clothes I don't
Speaker 3: wear in my closet. It's not something I want to
Speaker 3: be doing. We can often jump to that why am
Speaker 3: I doing this so much? Oh, I've got such a problem.
Speaker 3: I just got to stop, versus slow down, create space.
Speaker 3: Ask yourself, what is it about clothes shopping that I enjoy?
Speaker 3: When do I find myself going to the store, What
Speaker 3: is it about this particular version of shopping, What does
Speaker 3: it do for me? How do I feel when I'm
Speaker 3: in this process? How do I feel afterwards? All of
Speaker 3: these questions can help open us up to discovery without
Speaker 3: the shame and without the shoulds and understand so that
Speaker 3: we're not there yet, but the steps are going to
Speaker 3: lead to being able to actually make behavioral changes while
Speaker 3: still meeting our core need. Because it could be that
Speaker 3: I feel stressed and this is something that I can
Speaker 3: relax doing. I actually don't care that much about the clothes,
Speaker 3: but I like wandering around and looking at pretty things.
Speaker 3: This could be. This may not be everybody. Then a
Speaker 3: walk in nature, being in beautiful scenery with a friend
Speaker 3: could still meet that core need of getting out of
Speaker 3: your environment, seeing and touching beautiful. And it doesn't have
Speaker 3: to include spending money, just as an example, but that's
Speaker 3: where curiosity begins of what's happening here for me? Avoiding
Speaker 3: those why questions?
Speaker 1: Yeah, I know it doesn't work for everyone, but I
Speaker 1: experienced this after I had my son Kai four years ago,
Speaker 1: and I was going to target a lot and I
Speaker 1: was going to fast food drive throughs a lot, and
Speaker 1: I wanted to put myself down, like like why am
Speaker 1: I doing this. I've I mean, yes, I just had
Speaker 1: a baby, but like, why this? Like not everybody does this?
Speaker 1: So like why why me? Which was kind of like
Speaker 1: a degrading like thought, like yeah, not everybody does this,
Speaker 1: why am I doing it? But when I thought, Okay,
Speaker 1: what is the catalyst for me getting in the car
Speaker 1: and going to Target? What is the catalyst for me
Speaker 1: getting in the car and going to these drive throughs,
Speaker 1: That's when I learned the important things about what I
Speaker 1: wanted that helped me find alternative ways of meeting the needs.
Speaker 1: I wasn't depriving myself, Like ultimately, I wanted to get
Speaker 1: out of the house and it was one hundred degrees outside,
Speaker 1: so I'm not going to go for a walk outside,
Speaker 1: Like that's what all of the people are like, don't
Speaker 1: go shopping, go for a walk outside. I was like,
Speaker 1: have you been to Florida in July?
Speaker 3: No? Not happening.
Speaker 1: Yeah, not happening. So wanting to get out with the
Speaker 1: baby so he will sleep in the car seat and
Speaker 1: Target has the best walking journey inside. So when I
Speaker 1: figured that out, I was able to identify the reasoning.
Speaker 1: So I would still go to Target because I knew
Speaker 1: why I was going, But then I wasn't as tempted
Speaker 1: to buy anything because I knew why I was there, Like,
Speaker 1: I wasn't there to shop. You go to Target, you
Speaker 1: think you're there to shop, You buy things. At least
Speaker 1: that's what it was for me. But when I I
Speaker 1: realized why I was really going there, it was much
Speaker 1: more freeing for me to actually say, Okay, this is
Speaker 1: a free place for me to walk in air conditioning
Speaker 1: and nothing more. So maybe I'll get something that some
Speaker 1: people can handle the grocery shopping list. Yeah, that's why
Speaker 1: I said, some people can handle that, some people can't.
Speaker 1: So then maybe you live in a place that's not
Speaker 1: one hundred degrees outside and you go for a walk,
Speaker 1: find your path, find your truth, get curious about it though.
Speaker 3: Yeah, So then from there you're going to allow this curiosity,
Speaker 3: this creating space, this slowing down, these asking questions to
Speaker 3: lead you to a place of making observations. And honestly,
Speaker 3: you may be in the space of simply asking questions
Speaker 3: and noticing for a good while, could be a couple
Speaker 3: of weeks before you can start to synthesize that information
Speaker 3: and create observations on a few different data points. To
Speaker 3: go back to my scientific method example, where now we
Speaker 3: can begin to collect some of these observations and begin
Speaker 3: assessing what does this all mean? What are these patterns
Speaker 3: revealing about what you value? Are you seeing anything within
Speaker 3: these questions and answers about what brings you joy or
Speaker 3: what depletes you, or what you need what you don't need.
Speaker 3: As you ask these questions based on having been curious
Speaker 3: about yourself for a time, you're going to start to
Speaker 3: know more. There's just no way that you can't be
Speaker 3: asking these questions and not learning more about who you are,
Speaker 3: what makes you tick, how you engage in the world
Speaker 3: around you. And then will come the implementation process. But
Speaker 3: this can even be journaled, and I would encourage that
Speaker 3: to be writing these things down. Your answers to each
Speaker 3: of these questions of your what, how, when? And what
Speaker 3: is this revealing about me? What observations can I make?
Speaker 3: How can and I now, in a much more slower pace,
Speaker 3: synthesize this information? What have I now discovered about who
Speaker 3: I am? Through this process?
Speaker 1: Yeah, then comes respond and repeat. So this is the
Speaker 1: action part where we can bring our engagement with our
Speaker 1: resources into alignment with our growing understanding of ourself. So
Speaker 1: this is where we kind of combine the curiosity with
Speaker 1: these values of frugality, so being good stewards of our time, energy, money, relationships,
Speaker 1: and physical space. Where we can take this mindset of
Speaker 1: curiosity and think, Okay, how does this relate to my time?
Speaker 1: If I'm feeling overworked all the time, where can I
Speaker 1: cut Not that oh I can't do a side hustle
Speaker 1: because I just don't have any more time, But having
Speaker 1: that mindset of curiosity, be like, Okay, maybe I don't
Speaker 1: have any extra time, is there anywhere I can make
Speaker 1: more time taking something out of my schedule for a
Speaker 1: season so that I could do something else to make money.
Speaker 1: None of your decisions have to be long term. None
Speaker 1: of them are going to be permanent, but they don't
Speaker 1: have to be long term. So just being really intentional
Speaker 1: with when you're being curious to know that there are
Speaker 1: no parameters. As part of getting curious, like there's no
Speaker 1: rules besides don't ask the why questions. That's the only
Speaker 1: rule though, So getting curious about yourself so that you
Speaker 1: can explore do I feel short on time? Why do
Speaker 1: I feel drained of energy all the time? Where is
Speaker 1: all my money going? Where are my relationships? Why is
Speaker 1: all this clutter here?
Speaker 4: Oh?
Speaker 1: God, I use the y say for what purpose is
Speaker 1: all of the clutter?
Speaker 3: But it does shift the question a bit, why is
Speaker 3: all this clutter here?
Speaker 1: Versus?
Speaker 3: But purpose can lead us to so much more kindness
Speaker 3: and graciousness for ourselves because it flips it from shaming,
Speaker 3: like it's almost implying this clutter shouldn't be here versus, Oh,
Speaker 3: we're leading a full life and we haven't had time
Speaker 3: to organize this stuff. Such a different trajectory it can
Speaker 3: put us on I think that you've given a great example,
Speaker 3: Jen of what the response looks like already, where you
Speaker 3: practice curiosity of what is it that's leading me to
Speaker 3: go to target so often to recognize, Oh, it's not
Speaker 3: to get things, it's to walk around in air conditioning.
Speaker 3: I can still do that without needing to spend. And
Speaker 3: that's then an action. That's the implementation on that piece.
Speaker 3: And the repeat portion of this is just the reality
Speaker 3: that we're never done with being curious and this should
Speaker 3: be the replacement of the why questions of shaming, of
Speaker 3: the jumping to conclusions anytime we feel a discomfort or
Speaker 3: a shoulding on ourselves I shouldn't do that, I should
Speaker 3: do this. That could be the cue to say, oh,
Speaker 3: let me get curious though there might be more to
Speaker 3: discover about myself. That's going to lead to a beneficial
Speaker 3: action that is more positive for me than the shaming
Speaker 3: that's going to happen. It's not going to be as
Speaker 3: effective of a long term motivator to just shame ourselves
Speaker 3: constantly feeling like we're never measuring up versus looking at
Speaker 3: the core of what's going on and being able to
Speaker 3: make long term, long lasting changes because we understand more
Speaker 3: about ourselves.
Speaker 1: I wonder if that should be a shirt jill like
Speaker 1: don't shit on yourself.
Speaker 3: I'm sure it already exists. I know I didn't come
Speaker 3: up with that phrase, but it is good and we
Speaker 3: should should.
Speaker 1: And should we should find it, should wear it.
Speaker 3: And this all leads to the benefits. The benefits of
Speaker 3: curiosity Benny's We've talked about it already, but I will
Speaker 3: highlight here that we're going to experience it in all
Speaker 3: aspects of our personhood. As we get curious with ourselves,
Speaker 3: it's going to reach every part of who we are financially, relationally,
Speaker 3: with our time, physical space, mental, emotional you name it,
Speaker 3: mostly because it's a complete reframe of learning more about
Speaker 3: who we are in a way that's going to allow
Speaker 3: us to shift our actions, behaviors, and thoughts in a
Speaker 3: helpful way for ourselves as we continue to grow and learn.
Speaker 3: It's going to help us in relating to ourselves, relating
Speaker 3: to others, our actions with finances, how we spend our time,
Speaker 3: how we spend our relational cur and see emotional bandwidth.
Speaker 3: These are the benefits of adopting a mindset that is
Speaker 3: helpful for us rather than one that is mostly driven
Speaker 3: by guilt and shame.
Speaker 1: Yeah, I think just to recap what is a frugal mindset,
Speaker 1: how to adopt a frugal mindset is that let's not
Speaker 1: throw away the concept of growth mindset. I think that's
Speaker 1: really a foundation here, is to when you have a
Speaker 1: growth mindset, then you stop believing the limiting mindsets, the
Speaker 1: limiting beliefs, when you believe that those are false and
Speaker 1: that you can essentially kind of be more than what
Speaker 1: you thought you could. I think kind of that's what
Speaker 1: growth mindset boils down to. But I think curiosity is
Speaker 1: a step beyond that in thinking like, how do I
Speaker 1: become more than I thought I could, and who do
Speaker 1: I want to become? A right direction like, yes, I
Speaker 1: can be more than I was, and who is that?
Speaker 1: Moving away from why do I think that I can't
Speaker 1: be more than I thought i'd be? Or like you
Speaker 1: can't even use why in a forward facing like why
Speaker 1: do I want to be more?
Speaker 3: Maybe?
Speaker 1: Maybe getting away from that? So yeah, replacing a few
Speaker 1: of those growth mindset practices to be more curiosity focused
Speaker 1: and then focusing those in on these frugal core beliefs
Speaker 1: of good stewardship.
Speaker 3: Yes, and as we do this, we're going to have
Speaker 3: more value for each of these things. It's it's a
Speaker 3: slowing down. There's so many ways that this intersects with
Speaker 3: other good things we've talked about and other people out
Speaker 3: there who are bringing you wisdom are talking about of
Speaker 3: intentionality and slowing down and mindfulness and gratitude and contentment.
Speaker 3: It's all going to happen. As we engage in this
Speaker 3: practice of curiosity, we're going to create just higher values
Speaker 3: for the things that we already have, which is ultimately
Speaker 3: going to benefit all aspects of our personhood and certainly
Speaker 3: lead to this frugal mindset of being good stewards and
Speaker 3: valuing what we have. And you know what is a
Speaker 3: good steward thing that we do in every single episode
Speaker 3: because we value it so much.
Speaker 1: It is an intentional use of our time, and I
Speaker 1: think time that we steward.
Speaker 3: Well, the bill of the week.
Speaker 5: That's right, it's time for the best minute of your
Speaker 5: entire week. Maybe a baby was born and his name
Speaker 5: is Williams. Maybe you've paid off your mortgage, maybe your
Speaker 5: card died and you're happy to not have to pay
Speaker 5: that bill anymore. TUFT bills, but flow bills. Bill Clinton,
Speaker 5: this is the bill of the week.
Speaker 4: Hey, Jenna Jill, my name is Eve and I'm out
Speaker 4: in Washington State. I love your show. I've been listening
Speaker 4: to it for the last few years and I picked
Speaker 4: up on so many tips related to frugality and sustainability.
Speaker 4: So thank you so much for putting out shows that
Speaker 4: are related to low waist living and frugality as well.
Speaker 4: I just listened to your podcast a few weeks ago
Speaker 4: about low waist living and sustainability for Earth Month this year,
Speaker 4: it was inspired to sumit my Bill of the week.
Speaker 4: It was really hard to choose between two, so I
Speaker 4: wanted to share two really bruth fly. The first one
Speaker 4: is once a year, I purchase a zero waste box
Speaker 4: from a company called Terra Cycle, and I put all
Speaker 4: of our basically anything that we can't recycle into this
Speaker 4: box and ship it back to them and they remake
Speaker 4: it into like garden materials or playground supplies.
Speaker 3: So awesome.
Speaker 4: It's so great, especially like for like twist ties and
Speaker 4: like stickers on your produce, and I find that we
Speaker 4: use it for like a lot of kitchen like packaging
Speaker 4: waste or just packaging waste in general. And then the
Speaker 4: second one is a four days bag. Every six months
Speaker 4: or so, I paid twenty dollars and I get a
Speaker 4: four days bag and put all of our worn clothing
Speaker 4: and textiles and things that have basically gotten so scrappy
Speaker 4: that we can't donate them, and send it back to
Speaker 4: this company and they essentially break down the fibers of
Speaker 4: the clothing and the textiles and turn it into new materials.
Speaker 4: And so that has been Like both of those things
Speaker 4: are some of my favorite bills of the year, just
Speaker 4: because they help us on our low waist and sustainability
Speaker 4: and zero waste lifestyle. Anyway, thanks so much. I look
Speaker 4: forward to hearing your future podcast. Keep up the good work.
Speaker 3: Yes, Eve, thank you for calling all the way from
Speaker 3: Washington State, the other side of the country from us.
Speaker 3: But what a beautiful thing you're doing, and what helpful
Speaker 3: tips you're giving to us and our listeners for what
Speaker 3: we can do when we can't seem to find a
Speaker 3: place to throw out or cycle or give our things
Speaker 3: to from Like you're describing the twist ties the stickers.
Speaker 3: Sometimes certain things can be recycled or even donated, but
Speaker 3: you just still end up with this collection. So it's
Speaker 3: really beautiful to find these companies who are finding ways
Speaker 3: to still reuse and repurpose those items. And then your
Speaker 3: other tip about clothing. I do always feel bad. I
Speaker 3: don't want to donate something that another person can't actually use,
Speaker 3: but then there's only so many rags that I need
Speaker 3: around my house. So that's another helpful tip. The four
Speaker 3: Days bag that you can send clothing to and they
Speaker 3: recycle the fibers. So well done, Eve, We're so thrilled
Speaker 3: about this and the low Waiste journey that you are on.
Speaker 1: Yes, and I know you didn't mention it, but four
Speaker 1: Days does cost twenty dollars for that take back bag,
Speaker 1: but then you get twenty dollars to spend on their website,
Speaker 1: so you are not losing anything. Really, you're helping the
Speaker 1: environment and then also able to purchase price made from
Speaker 1: those recycled fibers. So four days is really great and
Speaker 1: we are not paid to say that, but we will
Speaker 1: take their money if they would have it.
Speaker 3: So if you all are listening, you've got multiple bills,
Speaker 3: that's fine, we won't limit you. You want to tell
Speaker 3: us about them, you are on a low waiste journey,
Speaker 3: or there's just something completely else you want to talk about,
Speaker 3: like what it's like growing up with the name Bill.
Speaker 3: That's fine too. Visit Frugal friendspodcast dot com slash Bill.
Speaker 3: We want to know about it. Now it's time for.
Speaker 6: Well pew pew, All right, in today's vulnerability round, what's
Speaker 6: a limiting belief you have held and how have you
Speaker 6: interrupted this pattern of thinking?
Speaker 1: M this is vulnerable Bill, you go first. I can
Speaker 1: always tell when you've written something it is so elegant,
Speaker 1: an elegant writing style, or I'm just like throwing up
Speaker 1: on the page.
Speaker 3: It's all good, it's all good. It'll make for a
Speaker 3: beautiful whiplash of a book for people twenty five.
Speaker 1: Thankfully there's one editor. There's two writers, two writing styles,
Speaker 1: one editor, and she's got to work cut out for her.
Speaker 3: It'll help us in the audio book to know who's
Speaker 3: going to read what. Yes, okay. For me, it's catastrophizing.
Speaker 3: I need to blow everything out of proportion to the
Speaker 3: point of it being a catastrophe for me to feel
Speaker 3: like I and others around me are understanding the true
Speaker 3: brevity of something. And I'm working on it. I am
Speaker 3: a work in progress. I can't say I've arrived yet.
Speaker 3: I do have a recent example of this, somewhat recent.
Speaker 3: You've all already heard me talk about my tax bill,
Speaker 3: my unexpected tax bill, and when this came in the mail,
Speaker 3: I no, not in the mail. The moment we sat
Speaker 3: down with our accountant, that's right, that's what happened, and
Speaker 3: he told us how much we owed. When I expected
Speaker 3: to not owe anything, and in fact, was even hopeful
Speaker 3: for like a tax refund is that they call it.
Speaker 3: I've never gotten one before tax return, tax return, that's
Speaker 3: what they call it. That wasn't gonna happen for us. Instead,
Speaker 3: we owed a significant amount of money, and I immediately
Speaker 3: went to catastrophe in my head, not even joking to
Speaker 3: the point where I thought, if we have a medical emergency,
Speaker 3: we will be bankrupt, because between what we now all
Speaker 3: on this, there's no way we could have any sort
Speaker 3: of medical complications. We'd lose our house. In my mind,
Speaker 3: we were on the brink of needing to move and
Speaker 3: live in a vehicle again, which actually wouldn't be half bad.
Speaker 3: I did enjoy that lifestyle. But and this is going
Speaker 3: to sound really really nutty, but here it is vulnerability.
Speaker 3: I enforced a little rule for Eric and I that
Speaker 3: we could not ride our scooters for an entire month,
Speaker 3: maybe even longer, until we replenished some of the money
Speaker 3: back into our account that we had to pay this
Speaker 3: tax bill out of, because in my mind, if we
Speaker 3: get into an accident on our scooters, it's going to
Speaker 3: financially ruin us. Now, not saying that it was the
Speaker 3: worst response to this, but it was catastrophic like that,
Speaker 3: to say we can't ride our scooters around town because
Speaker 3: we got a big tax bill is a little bit,
Speaker 3: it's a little bit out of balance. But it's how
Speaker 3: nutty I I went. It's how catastrophic I went in
Speaker 3: my head. Now. Thankfully that didn't last me long because
Speaker 3: the second part of this question is how are you
Speaker 3: how are you interrupting that? And I will say that
Speaker 3: I talked to some trusted friends, Jen you were one
Speaker 3: of them, to Eric, who helped to kind of talk
Speaker 3: me down off the ledge, And for me, really it
Speaker 3: was that action portion of coming up with a plan
Speaker 3: of Okay, here's the problem, here's how we're going to
Speaker 3: solve it, and honestly engaging in gratitude there. It really
Speaker 3: took some work and effort for me, but to recognize
Speaker 3: and be grateful for the fact that we have the money,
Speaker 3: we did not have to borrow the money we had
Speaker 3: prepared in the past for an unexpected thing. I was
Speaker 3: upset that I didn't see this coming. That felt a
Speaker 3: little bit shameful for me, but I was able to
Speaker 3: kind of through talking with friends, recognize why I wasn't
Speaker 3: expecting it, be kind to myself, exercise gratitud to then
Speaker 3: come up with a plan of what are we going
Speaker 3: to do? And thankfully I feel like I'm on the
Speaker 3: other side of this with the ability to warn other
Speaker 3: people make sure that I never find myself in that
Speaker 3: situation again. Adding extra withholdings to our taxes. It was
Speaker 3: an uncomfortable situation. But yeah, I go to catastrophe, but
Speaker 3: I bring in other people to help bring tension to
Speaker 3: my mindset and that that helps me.
Speaker 1: What about you, I feel like when things like that,
Speaker 1: like that tax bill was out of your control, you
Speaker 1: didn't see it coming, so you kind of reverted to
Speaker 1: controlling something you could control, which was the scooters. Like
Speaker 1: that's what you could do to control, to have control
Speaker 1: in a situation where you could not control. Yeah, so yeah,
Speaker 1: I mean it's very normal. I mean we all everybody.
Speaker 3: Has their scooter some version of a scooter.
Speaker 1: Yeah, everybody's Yeah, but.
Speaker 3: Even with a helmet, there's no scooter riding around here.
Speaker 1: It's not wrong to have the scooter. But if you
Speaker 1: stop there and don't seek the wisdom and council of others,
Speaker 1: other third parties outside of the catastrophe, then it can
Speaker 1: become unhealthy. But like you rode that out very quickly.
Speaker 1: I mean honestly, you weren't. I mean at least I
Speaker 1: didn't see you in catastrophe mode for very long.
Speaker 3: Well, we also didn't go out to eat.
Speaker 1: We stayed indoors, kind of were planning on doing that before.
Speaker 3: It's true that bill came. I know that wasn't the bill.
Speaker 3: I know, yeah, what about you?
Speaker 1: So mine is very much scarcity. I just want to
Speaker 1: have all the money. I just want to have all
Speaker 1: the money, like lots of money, and then not worry
Speaker 1: about it, right, Is that?
Speaker 3: Yeah?
Speaker 1: Is that special?
Speaker 3: I mean I want to retire. Is that the same thing? Yeah?
Speaker 1: So I think I look at my finances and I
Speaker 1: see we have more money in our accounts than many
Speaker 1: other people. But I also compare myself to other people
Speaker 1: in the personal finance space that have way more money
Speaker 1: than me, and so I just so because of the
Speaker 1: people I surround myself, I feel like I don't have enough.
Speaker 1: And so that is kind of like my limiting belief,
Speaker 1: and it's something I'm kind of pulling myself out of
Speaker 1: and kind of trying to connect back to reality, the
Speaker 1: reality of numbers. So, like personal finances is personal first,
Speaker 1: but there are numbers too. These personal choices have to
Speaker 1: be rooted and anchored by numbers. So that's kind of
Speaker 1: what is pulling me out of this like fe feeling
Speaker 1: of despair that we can't afford anything when really we can.
Speaker 3: Well, I think that that's a little bit of aiming
Speaker 3: at the radical middle where you might be so surrounding
Speaker 3: yourself by such an extreme who loved to post on
Speaker 3: Instagram about how much their net worth is at twenty
Speaker 3: eight years old. But then to recognize that that is
Speaker 3: one extreme and to bring tension to it with the
Speaker 3: realities of what life is like for the rest of
Speaker 3: the world. Not to say, oh, just be complacent then,
Speaker 3: but to aim at then gratitude and identifying but what
Speaker 3: do I need? What's enough for me? Hopefully it's seven
Speaker 3: cherry tomatoes?
Speaker 1: Yeah, right, what is my enough? And that's something I've
Speaker 1: really been reflecting on in order to overcome that feeling
Speaker 1: of scarcity, And it stems from my husband just took
Speaker 1: a new job that pays less so that you give
Speaker 1: a better schedule. I should have prefaced with that, but
Speaker 1: that is kind of what I've been going through.
Speaker 3: Mind was, well, we're here for you. It takes a
Speaker 3: community to recognize our own limiting beliefs, to gain perspective
Speaker 3: on it, to move towards contentment and ultimately a frugal
Speaker 3: mindset that is going to help us in the long term.
Speaker 3: Thanks everyone for listening. We're so glad that you were
Speaker 3: here for this one our original thought as we make
Speaker 3: up words and terms and lucy goosey steps. Many of
Speaker 3: you know we have a newsletter called the Friend Letter
Speaker 3: that goes out three times a week where we send
Speaker 3: out freebies, savings tips, and life hacks all that will
Speaker 3: help you save money. And we want to give a
Speaker 3: shout out to a friend for this sweet email. They said,
Speaker 3: thanks for reminding me about my values based spending plan.
Speaker 3: I was just coming down from a shopping high getting
Speaker 3: three pairs of active wear pants at seventy five dollars
Speaker 3: a pair, two total. I had reached that point where
Speaker 3: the stomach drops away and your email arrived. I was
Speaker 3: able to pull from the emotion and see the facts.
Speaker 3: I have a values based budget and spending plan which
Speaker 3: contains a line item for refreshing active wear twice a
Speaker 3: year spring in autumn, and the purchase was less than
Speaker 3: my budget had provided. Only then could I bask in
Speaker 3: the joy of getting a good deal without the guilt
Speaker 3: of spending. Tina, that is a beautiful example, because sometimes
Speaker 3: it doesn't mean saying no to buying, just making sure
Speaker 3: that it aligns with your values and your plan.
Speaker 1: Mm hm and girl, Tina, I can tell you buying
Speaker 1: Lulu and those will last you five to six years. Yeah,
Speaker 1: so good on you. Well, don Tina, Tina, let me
Speaker 1: know if you are buying Lulu.
Speaker 3: I guess that right. Thanks for listening everyone, And if
Speaker 3: you want some of these freebies, savings tips, values based
Speaker 3: spending hacks like Tina's getting in her email that's helping
Speaker 3: get her permission to spend some money. Or if you
Speaker 3: need the inspo to not spend the money, or you
Speaker 3: just want to know when's the free ice cream, head
Speaker 3: to fruglefriendspodcast dot com slash friend letter to get the goodies.
Speaker 3: And if you already get the friend letter, you're not done.
Speaker 3: Start sharing it with your friends to get more of
Speaker 3: those free goodies, because we're sending you our own very
Speaker 3: own merch that some of you got to vote on,
Speaker 3: so you know you're gonna want it, and then that'll
Speaker 3: get shipped to your door.
Speaker 1: And then get those people you refer to refer more people,
Speaker 1: and then you will not get any more free goodies
Speaker 1: after that. Because this is not an MLM.
Speaker 3: There is no upline or downline, no upline. See you
Speaker 3: next time, Frugal Friends is produced by Eric Siriani. You're
Speaker 3: not gonna be able to cover your mortgage with this.
Speaker 1: You're gonna have so many sweatshirts from your down line
Speaker 1: that you are going to be able to sell them
Speaker 1: and retire your spouse. You're gonna be able to retire
Speaker 1: your spouse with sweatshirts. I don't see what the problem.
Speaker 3: If only that were true. You can retire your spouse
Speaker 3: with your frugal mindset, that's for sure. Yeah, retire yourself
Speaker 3: with your own frugal mindset. That's the journey I'm on.
Speaker 3: I just want a sweatshirt to keep me warm while
Speaker 3: I'm doing it.
Speaker 1: Same, same,