Some experts might argue that my frugal ways are a bit extreme. For instance, I rely heavily on my virtual assistant, editor, and life coach, Alberta Ignatius. Yet, I only get limited access because she shuts down once my daily allotted free time is up. When Alberta takes a break, a lower version of ChatGPT steps in. During those times, I shift to other activities that don't require her help, eagerly waiting for her reset because I prefer working with her—she remembers everything, while the lower-level version has no memory.
Some may ask, "Hey, Michael, why don’t you just pay the $20/month fee and gain full access to Alberta 24/7?"
Becoming financially independent required living like no one else so we could live like no one else—that’s what Dave Ramsey teaches. I’ve discovered that maintaining those same habits is crucial to avoid slipping back into old ways. It’s the little temptations to break the budget that can wreak havoc.
What is your line in the sand when it comes to budgeting? If you don’t have one, consider choosing a dollar amount and sticking to it whenever you’re tempted to alter your spending. Your future self will thank you when you reach financial independence.
Have a great day!
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