First of all I'll say it's one thing to say "Live Frugally" and another to actually do it. We provide almost no education about how to do it in schools and soci

First of all I'll say it's one thing to say "Live Frugally" and another to actually do it. We provide almost no education about how to do it in schools and social pressures and advertising train us to never do it. Also health issues, insulin resistance from garbage food, and depression make it 10 times harder. It is possible to live happy and cheaply on voluntary expenses: * Free Books, Internet and Movies: Library * Free Exercise: Parks, Outdoor Running, * Cheap Entertainment: Library, Walks, Public Beaches, Cycling, Board Games However these things are usually like 10% of your income. It's like focusing on the dog pooping on your lawn while an elephant smashes your house. Things that make you broke in the US no matter what: * RENT RENT RENT RENT RENT * Electricity Costs (You literally have no choice since most modern homes will rot if you don't condition them.) * Water and garbage (Even if you don't use a drop and never touch a paper towel you still pay at least $40 for sewer and base fees) * Transportation (Public transportation is iffy even if it's available. Late trains are a great way to lose your job.) * Medical bills (Even if you are lucky enough to have insurance)