I like Barry (and love his podcast), but #4 is crap. The number of people who are high income earners (say the equivalent of $150,000+ in Houston) who waste en

I like Barry (and love his podcast), but #4 is crap. The number of people who are high income earners (say the equivalent of $150,000+ in Houston) who waste enormous amounts of money on eating out is staggering. Go ahead - add up all your costs for eating out - I’ll bet you that latte that it’s more than you think...probably a lot more. Discipline over little expenses is tough, but crucial. The financial advising industry even has an ugly name for these people - “credit card millionaires”. They look rich, but really spend too much on all sorts of things, from lunches, to lattes to cable tv, and end up blowing most of their income. #SmallDiscretionaryExpensesMATTER !