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Overspending has become a common problem for Americans – about six in 10 currently live paycheck to paycheck, according to a May 2023 Lending Club report.
Now I’ll let you in on a little secret here, 1 of the fastest ways to stop living paycheck to paycheck… you ready for this.
Now in honor of me sharing with you this ground breaking financial advice, I’m am taking it a step further today and going over 10 things I chose not to purchase in order to save more money. Some of these on this list have saved me thousands of dollars and will continue to throughout my lifetime.

Now we are starting off strong here… This one may ruffle some feathers. For the first thing on the list I don’t buy is actually tipping.

Now please just hang on just one second and let me explain myself. Over the past few years I feel like this tipping culture has gotten a little out of hand.


Now speaking of tipping, there are some items I choose not to buy strictly bc of the fact that I will have to tip as well as pay for additional fees on top of that and that is Food Delivery.
Now luckily with my schedule, I’m not always pressed for time so I am able to step out of the house and go pick up takeout if that’s what I’m eating for lunch that day. I understand that is not the case for everyone but these are just things I choose not to spend my money on.
I actually like taking the time to get out of the house to go pick up lunch or eat it there. Since I work from home..

Did you know that $38 billion is spent yearly on self storage?! $38 billion!!!
According to the Self Storage Association, the 1 in 10 of us who pay for storage are more often homeowners with a garage or attic than apartment dwellers.
Something about me is I love a clutter free home. There is something enlightening about having less stuff around the house.
I would rather get rid of my material items than spend money on a storage unit. I also don’t have a huge sentimental value to stuff. I may have 1 or two things that really mean something to me but other than that and luckily those items are pretty small.
My wife and I always say if we have something we haven’t used in awhile… we get rid of it. No use in keeping it around.


This shirt I am wearing right now is about 8 years old…
I’m a pretty basic guy when it comes to clothes. I have 1 suit I have worn to every wedding or nice occasion I have gone too for the last 10 years. I am due for a new suit soon.

According to a report from Allied Market Research, the global extended warranty market was valued at $129.7 billion in 2022 and is estimated to reach $284.7 billion by 2032, exhibiting a CAGR of 8.4% from 2023 to 2032.
I always preach on having an emergency fund for a raining day. That is cash sitting on the sidelines for when life happens.
Any car maintenance issue or major appliance issue, I know I can cover with my emergency fund. It is an insurance policy I have with myself.
Essentially, when you buy a warranty, you are making a gamble on something going wrong. With me having money set aside for when things go wrong, I don’t have to make that bet.

This is the biggest one. This one has saved me 10’s of thousands of dollars already. Interest on my debts. I do this for my consumer debt
First for clarification, I do have debts on my real estate investments but the best part about that is my tenants pay for that. It is not coming out of my pocket. I just have the risk of owning the property.
When I used to have to pay for interest on my debts, it felt like I was lighting my money on fire and watching it burn. It felt like a waste of money. So I got caught up. I knew I could have a better spot to put my money than paying the bank.


Investing with an insurance company is one of the worst investing decisions you can make. I’m not going to dive into the details here but I have a vid planned for the future.
With the fees included in whole life as well as how hard or expensive it is to try and get out of it steers me away from this product.
Instead I choose to pay for term life insurance. My thought process is if I buy a 30 year term life insurance policy, I have 30 years to get my money right so my family won’t have to rely on the life insurance if I happen to pass after that time frame.

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DISCLOSURE: I am not a finanical advisor. I am sharing my personal opinion on all topics dicussed in my videos. Please seek professional advice when needed.