#6 - Frugality isn’t sexy.

Again, that was just an example—that’s certainly not a one-size-fits-all answer, because everyone’s situation is different, and you want to consider all of the factors. The point was that it makes sense to focus your efforts on your biggest expenses if you can, because the payoff will be greater.

Apparently, no one here has kids under the age of 5. Because there's no way to shut down from "Which one of them is waking up first and when?"

Oh for real, I’ve been doing this for years now. Get the blinds all closed everywhere, the general household lockdown, make sure coffee is set for in the morning, and then I drink myself to sleep. Sometimes I change it up by crying too.

@1112: Outdoor furniture and a sloping concrete floor with a drain. Put the TV and lights in acrylic boxes and you can just hose the place down after you kill a hobo.