20 Minutes of TikTokers Being Too Frugal

Summary

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Episode Overview

Podcast: George Kamel
Episode Title: 20 Minutes of TikTokers Being Too Frugal
Host: Graham Stephan (Guest host for this episode)
Published: February 6, 2026
Theme:
Graham Stephan reacts with trademark snark and practical insight to viral TikTok videos showcasing extreme (and sometimes absurd) methods people use to save money. The episode explores the fine line between healthy frugality and financial extremism, dispels common money myths, and unpacks what works (and what definitely doesn’t) in the world of personal finance hacks as seen on social media.

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Key Discussion Points & Insights

1. Introduction: The Fine Line Between Frugal and “Financially Feral”

Tiktoks of extreme cheapskates spark debate on creative money-saving versus crossing into the bizarre.

• [00:05] Graham Stephan frames the episode:
  • “There is a fine line between frugal and financially feral... Will I see someone who reuses dental floss and sleeps on bubble wrap? There’s only one way to find out.”
  • Sets the tone: humorous, curious, and skeptical.

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2. Extreme Cheapskate: Baddie Brad’s Unhinged Frugality

A week in the life of a frugal TikToker, testing the limits of penny-pinching.

• [00:48] Baddie Brad’s hacks:

  • Washing his car with rainwater (“Honestly shocked that people pay money for car washes...”)
  • Using packing tape as a phone screen protector.
  • Trimming his own hair to postpone haircuts.
  • Using free code readers at auto shops for diagnostics.
  • Sticking with his toothbrush until his annual dental visit (“It’s finally time to say goodbye to my toothbrush because I went to the dentist so I got a new one.”)
  • Using leftover baking soda as teeth whitener.
  • Taking home catered food, napkins for use as toilet paper (“Honestly always bring Tupperware to work because you never know if there’s going to be food catered.”)
  • Showering and charging devices at the gym.
  • Reusing paper towels—stashes them at home (“[02:45] As you see, my stash has grown.”)
  • Gas-saving myth: Slowly pumping to avoid air in tank.
  • Collecting restaurant condiment packets from parents' dining out.

• Memorable reaction from Graham Stephan:

  • [03:11] “Some of those...that’s a reasonable, wise thing to do. And then the man’s using the same toothbrush for an entire year until his next teeth cleaning...I hope that’s not how you ended up in the hospital.”
  • [04:05] Jokes about “Extreme Cheapskate” the TV show: “Let this man be your featured star for a whole season.”

• Comment section callouts:

  • “Who is forcing you to do this?” and the wisdom (or excess) of gym memberships versus working out at home.
  • [03:25] Graham: “Saving used paper towels, that's a bridge too far.”

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3. Family Frugality: Dollars with Drew

How a dad saves on dining out—by eating the family’s leftovers.

• [04:41] Description: Orders for his wife and daughter, eats whatever is left.

  • “Combined, that’s a full meal for me. That’s how you save money right there.”

• Graham’s Take:

  • [05:26] “I really like this one...I took my daughter out to breakfast, knowing she’s not gonna eat the $9 kids meal. So...I didn’t waste $10 on a meal for her and we all left happy.”
  • “Way to go Dollars with Drew.”

• Viewer Commentary Highlight:

  • “Life’s too short to live like that.”
  • Graham’s retort: “If my wife takes a bite of something, it’s not gross. I mean, you procreate with these people.”

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4. Frugal Hacks from Kat: Joyfully Extreme but Reasonable

Practical tips, but where’s the line between savvy and self-sacrificing?

• [06:25] Kat’s habits:

  • Adding water to extend mascara, detergent, and shampoo.
  • Buying only generic brands.
  • Keeping the house at 78°F despite Texas heat.
  • Rationing toilet paper.
  • Rolling car windows down instead of using AC.
  • Banking money saved from “nights in.”
  • Bringing homemade tea to bars to avoid buying alcohol.
  • Only buying gas Monday–Thursday.

• Graham’s Reaction:

  • [07:28] “She seems very happy, well adjusted. I think about half of those are things that are reasonable.”
  • “Not rolling the windows down in 100 degrees. Keeping the house at 78 is maniacal...I’m happily going to pay the extra utility bill to keep it comfortable.”
  • “Bringing tea to the bar...I don’t know if bars serve tea. Never thought about that.”

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5. The Dangers of Extreme Frugality? Financial Therapist’s Viral Take

Is being too frugal actually harmful to your health and happiness?

• [09:19] Financial Therapist:

  • “It’s extremely unhealthy to try to save money all the time...You’re unironically lowering your life expectancy because of the damage that you’re doing to your mental health every second of every day.”

• Graham’s Response:

  • [09:50] Roasts the tone and delivery: “Watching that video did damage to my mental health.” Calls out “Limp Bizkit meets ET” vibes.
  • [10:50] Questions the backed-up data: “Do I think frugality can cause a scarcity mindset? Yeah, there’s a spectrum...If you’re making every single decision through the lens of, ‘Is there a more frugal way to do this...’ that is toxic. Do I think it’s gonna kill you and shorten your life expectancy? I’d like to see that data.”
  • [11:30] Calls for an actual study: “We need to follow frugal people versus overspenders and see who dies first.”

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6. Old-School Toilet Tank Hack: Bizarro Jerry Seinfeld

Saving cents by displacing toilet tank water.

• [12:50] Tip: Place a water-filled bottle in the toilet tank to reduce flush volume, thereby saving on water bills.

• Graham’s Analysis:

  • [13:08] “Thank you, Bizarro Jerry Seinfeld. I appreciate this is like Temu Jerry over here...I gotta ask a plumber if that’s safe.”
  • Did the math: pennies per month; “Is it worth the nine or ten bucks a year? None of my business…I’m happy with the current flush status of my home.”
  • “If it’s yellow, let it mellow. If it’s brown, flush it down. Unrelated but good advice in general.” (Reads comment at [14:20])

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7. Sam’s Wallet: Frugality as Debt Repayment Strategy

Higher-stakes frugal living from someone with massive student debt.

• [14:38] Sam’s Hacks:

  • Never turns on the heat, bundles up instead.
  • Coffee only at home, makes his own espresso.
  • No paid drinks—drinks water from Brita.
  • Cooks almost every meal, chooses inexpensive and nutritious staples.
  • Doesn’t pay for gym membership; uses home workout gear.

• Graham’s Response:

  • [15:26] “He’s 160k in debt…if you are in a huge pile of debt, you need a huge level of sacrifice…he’s moving his body, eating well, he’s not even drinking, so does a crispy boy, so good for him.“
  • Two thumbs up except for “never turning on the heat…borderline dangerous.”

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8. Frugal Millionaire Woman: Mindful Spending Doesn’t Mean Deprivation

Debunking misconceptions that frugality is misery, even for the wealthy.

• [16:20] Controversial habits explained:

  • Buys quality clothing items for practical reasons.
  • Hires a nanny once a week for self-care and project time (“Frugality isn’t about deprivation and not being able to enjoy luxuries that add value to your life.”)
  • Shops clearance and participates in Buy Nothing groups, but always with an ethical lens.
  • Mindful not to take essentials from those in need.

• Graham’s Praise:

  • [17:48] “I really like her energy. She seems like just a really thoughtful, kind, sweet person…She’s a frugal millionaire. She’s doing everything intentionally.”
  • “The principles of living on less than you make, being intentional with every purchase, not buying crap you don’t need to impress other people—that will make you a millionaire.”

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Notable Quotes & Memorable Moments

• “[00:05] There is a fine line between frugal and financially feral.” – Graham Stephan
• “[01:41] Fortunately, the Frugal Mobile had some lights pop up. Instead of paying for a diagnostic test, I just went to an auto shop...lend you the code reader for free.” – Baddie Brad
• “[02:45] As you see, my stash has grown.” – Baddie Brad (on saved paper towels)
• “[03:11] I don’t have the time to explain how bacteria works, but I hope that’s not how you ended up in the hospital.” – Graham Stephan
• “[05:26] The real hack is the business that decided they can cut off most of the quesadilla and give you way less for the same price” – Graham Stephan
• “[07:28] Not rolling the windows down in 100 degrees. Keeping the house at 78 is maniacal.” – Graham Stephan
• “[09:19] It’s extremely unhealthy to try to save money all the time...You’re unironically lowering your life expectancy...” – Financial Therapist
• “[14:38] I don’t turn on the heat. I’ll really bundle up at home.” – Sam
• “[16:20] Frugality isn’t about deprivation and not being able to enjoy luxuries that add value to your life.” – Frugal Millionaire Woman
• “[17:48] The principles of living on less than you make...that will cause you to build wealth.” – Graham Stephan

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Timestamps for Key Segments

• Intro & Setup: 00:05–00:48
• Baddie Brad’s Frugality: 00:48–04:41
• Dollars with Drew (Leftover Meals): 04:41–06:25
• Kat’s Practical Tips: 06:25–09:19
• Financial Therapist’s Caution: 09:19–12:48
• Toilet Tank Hack: 12:48–14:38
• Sam’s Debt-Focused Frugality: 14:38–16:20
• Frugal Millionaire Woman: 16:20–17:48
• Host’s Recap & Final Thoughts: 17:48–End

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Host’s Takeaways

• Frugality is a spectrum, not a one-size-fits-all approach.
• Some hacks are creative and effective; others cross into counterproductive or performative.
• Principles matter more than individual hacks: intentional spending, living below your means, and focusing on value—not deprivation—build wealth and freedom.
• “The frugal life isn’t one size fits all. There is a wide spectrum and it’s all about being intentional and getting creative with how you save because those small wins really do add up.” – Graham Stephan, [17:48]

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Overall Tone

• Pop culture savvy, irreverent, and humorous.
• Warmly skeptical of stunts and performative frugality.
• Steeped in financial sense but always grounded in practicality and fun.

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For Further Listening

• Like this episode? Check out other “react” episodes where Graham and George bust more money myths and break down viral financial advice from across social media.

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Transcript

[Graham Stephan]

When it comes to spending money, I will almost always go out of my way to save a buck. I'm that guy asking for the manager at TJ Maxx because there's a scratch on a decorative gnome and I believe that's worth at least 10% off, if not more. But let's be real, there is a fine line between frugal and financially feral. So today we're diving headfirst into the wild world of frugal tiktoks to see just how far people are willing to go to save money. Will I be impressed? Will I be horrified? Will I see someone who reuses dental floss and sleeps on bubble wrap? There's only one way to find out. And special shout out to our new channel sponsor, Delete Me, for whom we have created a very fancy poster in the background and a special little cup. I think that's nice.

[Baddie Brad]

I'm frugal and will do anything to save money. So welcome to an episode of Extreme Cheapskate where I'm going to show you everything I did to save money last week. We have been getting so much rain lately so I decided to wash my car. I'm honestly shocked that people pay money for car washes when you could just do this for free. Nothing works but it worked out well. Finally removed the three year old screen protector off my phone. It's actually not even a screen protector. It's the factory wrapping from when I bought it brand new. And instead of buying a screen protector I just use packers tape. I know this sounds insane but I actually did this 10 years ago when it cracked my phone screen. The phone still worked perfectly and I didn't have to replace the screen. I definitely learned a thing or two from Survival Mode. Got a discount on my Mother's Day gift because the box was damaged. I'm glad I asked because I got $10 off.

[Graham Stephan]

That's a good one.

[Baddie Brad]

We unboxed it on Mother's day. The umbrell was perfect. Trimmed my hair because I try to space out when I get haircuts. Can't say I did the best job but it'll give me a little more time before I have to go.

[Graham Stephan]

We can tell you did.

[Baddie Brad]

Fortunately the Frugal Mobile had some lights pop up. Instead of paying for a diagnostic test, I just went to an auto shop lend you the code reader for free. All you do is plug it into your car and then they'll print you out a report of what the issue is. It's finally time to say goodbye to my toothbrush because I went to the dentist so I got a new one. And speaking about teeth, I don't buy whitening strips or anything like that. I just use baking soda. Whitening strips are very expensive and they used to do this back in the day so it works for me. There was a meeting at work that had food catered. These were all the leftovers. So you know, I took some to have dinner and for lunch day and I took some napkins to use as toilet paper if you know, you know, honestly always bring Tupperware to work because you never know if there's going to be food catered. Dinner was free. Took a shower at the gym. It's not something I normally do, but sometimes I will because why pay for a hot shower when you could just have it at the gym at water pressure though. Oh my God. While I was working out, I just charged some of my stuff. I don't do this often, but every now and then I'll bring stuff to charge. If there's an outlet, I. I'm going to use it. Anytime I use paper towels, I'll rarely throw it out like at work or at my parents house. I'll usually take it home with me unless they're really messy because I feel.

[Graham Stephan]

Like they're going to sad cardboard ones.

[Baddie Brad]

As you see, my stash has grown. Yeah. Holding on to paper towels. I don't need to buy any paper towels. I don't know if this is true, but when I pump gas, I don't clench on the lever all the way down. I heard you let a lot of air in when you do that. If you fill your tank slowly, you put less air in the tank so you get more gas. Parents go out to eat a lot, so I asked them to hold on to any sauces they get instead of them getting thrown out. I could use it for my meals. Not only does it help me save money, but. But it's also less wasteful, which makes me really happy. And that's all the ways I saved money last week.

[Graham Stephan]

Okay. Hope he's okay. He ended up in the hospital at the end there. Don't know what happened. Really Left us with a cliffhanger. Baddie Brad, you really. I mean, what a rollercoaster. Some of those. I was like, that's a reasonable, wise thing to do. And then the man's using the same toothbrush for an entire year until his next teeth cleaning. I don't have the time to explain how bacteria works, but I hope that's not how you ended up in the hospital. That's all I'm saying. I gotta just see what the general zeitgeist is. In the comment section, this person sums it up first one Chi Chi. Who is forcing you to do this? That's exactly. Someone's gotta be paying this guy or he just gets a bazillion views, so he keeps making, you know, outrageous content for people like me to react to. That also works, but why pay for a gym membership if you could work out at home? They got you on that. Maybe not everyone can afford all the equipment that you use at the gym. And some people like to have a different space to move their body, but yeah, saving used paper towels, that's a bridge too far. As Amy said, especially the sad brown ones. That's barely a single use. I mean, I wouldn't use that on my worst enemy. I think that's a torture device more than anything. It's coarse and rough and irritating, but okay. A strong start from Baddie Brad. This man, I've seen some of his videos, and I don't know if the show Extreme Cheapskate still exists, but if so, let this man be your featured star for a whole season. Moving on.

[Dollars with Drew]

As a frugal dad, I don't order food for myself anymore. I got my kid this spesadilla, got my wife this chicken pesto sandwich. My wife's gonna eat three fourths of that. My kid's gonna eat a quarter of that. So combined, that's a full meal for me. That's how you save money right there. All right, the leftovers are ready for me. My wife ate about three fourths of her chicken pestle sandwich, so I got a quarter. And then my kid actually didn't eat her meal at all, so I get a full meal. She ended up eating a pouch, so lucky me. Let's go.

[Graham Stephan]

Oh, now we're gonna watch him eat it. Oh, he's rating it now. 8.2. Okay. Oh, 6.7 on the old.

[Dollars with Drew]

Two members of the clean plate club and three happy people. That's how you do it.

[Graham Stephan]

The real hack is the business that decided they can cut off most of the quesadilla and give you way less for the same price because it's in the shape of a spaceship. That's good marketing. But the. The fact of the matter is, I really like this one. I did, actually. This morning I took my daughter out to breakfast, knowing she's not gonna eat the $9 kids meal. So instead I get my breakfast meal and I just scoop off a bunch of my stuff and like, he Said she barely ate it and I knew that was coming so I didn't waste $10 on a meal for her and we all left happy. I like that one a lot. Way to go dollars with Drew. Let's see if the comment section was vibing with him. Oh, Kung Fu Panda said, life's too short to live like that. MK said. Not the three bites of sandwich covered in saliva. Who is covering their sandwich with saliva? Okay, if my wife takes a bite of something, it's not gross. I mean, you procreate with these people. Golly, get a grip. Must be a homeschooler.

[Kat]

Continuing on Frugal hacks that nobody does, but I do because I'm a freak. When my mascara runs out, I dip the brush in a little bit of water. Lasts so much longer. I order off the kids menu. I roll my windows down in 100 degree weather instead of using air conditioning.

[Baddie Brad]

Ooh.

[Kat]

I only buy generic brands. I keep my house at 78 degrees in the summer in Texas. To conserve energy, I always take home my leftovers if I want to go out to eat, but I make the choice to stay inside instead. I put the amount of money I would have spent going out into my emergency fund. I ration my toilet paper.

[Graham Stephan]

No.

[Kat]

I fill up my laundry detergent with water. Works just as well. Also works for shampoo and body wash. Only thing I ask for for birthdays or Christmases is skincare products so I never have to buy them myself. I bring homemade tea to bars so I won't have to buy alcohol. I always check the price per ounce in grocery stores so I can make sure that I'm buying the cheapest option. I only buy gas Monday through Thursday.

[Graham Stephan]

I mean, she's extreme, but it works for her. She seems very happy, well adjusted. I think about half of those are things that are reasonable that I think we should all be doing, like taking home leftovers and only buying generic brand. There was a few others I liked in there that I want to give her a shout out for. We had the I don't know about the mascara. I've never used mascara. I don't know if you can tell I'm no J.D. vance, but I get the job done every morning ordering off the kids menu. I often do that because I don't know if you've seen just how much food is being served at American restaurants. It's simply too much food in most cases. And so sometimes I'm out of Chick Fil A. I go I can survive off five grilled nuggets and Fries and a drink and ice cream. That's already 1,000 calories plus. We can live on that. The kids menu I liked. There was a few others I really thought were in good taste. Not rolling the windows down 100 degrees. Keeping the house at 78 is maniacal. If it is 71 in my house, I'm angry. I'm happily going to pay the extra utility bill to keep it comfortable in my own home. That's a wild one. If you stay in instead of going out, you're like, well, I would have spent $20. So I'll put that. That's good. But it almost feels like a, I guess over the top. Like, just put money in savings because you made a plan to put money in savings. I don't think you need to, like, punish yourself or reward yourself for not going out. Have a good time bringing tea to the bar. Okay. I mean, I don't know there's rules against bringing your own drinks into establishments, but I would just go get like a water or a club soda or just buy tea at the bar. It'll cost you close to nothing if they have tea. I don't know. I don't know if bars serve tea. Never thought about that. Bars serve tea. You'd get more coffee customers. All right. Overall, good stuff from Kat on the money. I like her energy. She does not seem deranged already. Hate his vibes.

[Financial Therapist]

It's extremely unhealthy to try to save money all the time. It's a privileged assumption to believe that you're going to live to be 65 or 70 years old and potentially reap the benefits of saving three or four dollars a day on a cup of coffee. Reality is when you're putting yourself in a financial stress situation that is unwarranted or. Or making decisions every single day based on frugality and how much you can save. You're unironically lowering your life expectancy because of the damage that you're doing to your mental health every second of every day.

[Graham Stephan]

Watching that video did damage to my mental health. I don't know what vibe he's going for, but it's giving Limp Bizkit meets ET it's all about the heat. Why? Why? Just a head popping out of a. The hoodie is just too small. It's just simply too small. Goodness gracious. Being frugal will kill you. Is this whole thing. I don't know if he. I don't know if he's a satire account. His bio says real talk and he's wearing A chain giving a smoky eyed kind of blue steel look. But that one took off 4 million on that one. I'll give it to him. He went viral for that. Oh, here we go. They shout out bradley on a budget in the comments section. Bradley on a budget ticks me off so bad. He has hundreds of thousands of dollars saved. He's now just cosplaying. Being poor at this point, I unfollowed. Okay, watch your language. You know, that's like, that's gonna follow you unapologetic queen. All right, your next employer is gonna find this TikTok comment and go, I don't want to hire her. It's the kind of language she uses among strangers. It creates a scarcity mindset, which is not good for expansion and growth. Mindset. First of all, an expansion mindset. Calm down. You're not a goldfish. Okay, Do I think frugality can cause a scarcity mindset? Yeah, there's a spectrum from the extreme cheapskates to if I can save money and be intentional, I'm gonna do that. And the money I freed up, I can now use for other things that are more important to me. That's all it is. You're trying not to overspend. If you're making every single decision through the lens of, well, is there a more frugal way to do this? And if not, I'm not gonna do it, then that is toxic. Well, do I think it's gonna kill you and shorten your life expectancy? I'd like to see data on that. We need to follow frugal people versus overspenders and see who dies first. Science. Where you at, bro? Oh, well, thank you, Bill Nye. Now, being frugal will not kill you, but you know what can lower your life expectancy? The stress of dealing with spam calls, sketchy emails, fraud, and creepers who found your info online. And that is why I use Deleteme, a sponsor of today's video. Deleteme scrubs your personal data, like your name, phone number, home address, and way more from hundreds of data broker sites that are out there buying it and selling it without your permission. And Deleteme handles all the heavy lifting, and they send you a detailed report every few months so you know exactly what they removed. And you can check it out and get 20% off by going to JoinDeleteMe.com George. Or just use the link in the description. And before we get back to more Frugal clips, I'll give you one of my favorite money saving tips. Switching to Boost Mobile, another sponsor of today's video. Boost Mobile gives you unlimited everything. Data, talk, text, for just 25 bucks a month. Forever. And that's not some kind of special offer designed to lure you in. It's literally forever locked in, written in stone. And no, your calls won't sound like someone is crinkling a bag of potato chips in the background. Boost has great coverage, 99% nationwide coverage, to be exact. So you're getting high quality service for a super low price. And you can make the switch today, no contract necessary, @boostmobile.com Ramsey or by using the link below. All right, back to the frugal hacks.

[Kat]

So 30 of my husband is so.

[Bizarro Jerry Seinfeld]

Cheap that I have another great way you can save on your water bill. What you do is you take this back cover off the toilet. You fill a 2 liter. Could use a 1 liter full of water. You set it in here. It takes up a lot of space for water, but still is a great flush. Saves you a lot of water and of course saves you a lot of money.

[Graham Stephan]

Wow. Thank you, Bizarro Jerry Seinfeld. I appreciate this is like Temu. Jerry over here.

[Financial Therapist]

Jerry.

[Graham Stephan]

Jerry. Now I gotta ask a plumber if that's like, safe to do. I don't know. But yeah, the idea is you're displacing some of the water and so that each flush you're using less water. And apparently you still get a great flush. Which is not a sentence I often want to hear. But if it saves me money, I'm open to it. I want to see if there are any plumbers in the comments. Let's see. I did the math. Assuming you flush four times a day, that would save you about 75 cents a month. Is it worth the nine or ten bucks a year? None of my business. Am I gonna go do that tomorrow? Probably not. I'm okay. I'm happy with the current flush status of my home. Someone else said it saves you 21 cents a year. Enjoy your free piece of gum. I feel like gum. Gum costs more than that these days. For a piece of gum, just adjust the adjuster on the fill valve. Adjust the adjuster. That doesn't sound official. I'm just gonna put it out there. The toilet is adjustable. If you're that cheap, just lower the float. There you go. Another comment from Matthew. We'll end on this one. If it's yellow, let it mellow. If it's brown, flush it down. Unrelated but good advice in general. That's a way to save money and Mr. Pete said, Seinfeld from Wish. We were on the same page. I went, temu. He went wish. I think Wish was a better joke, to be honest. So, Mr. Pete, you win again. All right, moving on to Sam's wallet. See what they have to say.

[Sam]

Here's five frugal things I do to save money. As someone who took out 160, $60,000 in student loans and is trying to pay it back. The first one is, I don't turn on the heat. I'll really bundle up at home. And I have two comforters, which I wrap myself around when I sleep at night. Next, I only have coffee at home, and I kind of do, like a double espresso, which would cost me a cup, which is a lot more affordable than Starbucks. I also don't really buy any drinks and mostly just drink water from my Brita pitcher. So no canned soda or fizzy drinks at all. Next one's pretty obvious, but I try to cook most of my meals, and instead of eating out and I try to make things that are very cost effective, such as chicken or eggs or potatoes. Cheap to buy, but filling and nutritious. And the last thing is, I don't pay for gym membership. I sort of have a setup at home already with adjustable weights on my peloton. There was some upfront costs about four years ago, but it was worth the investment.

[Graham Stephan]

Gotta wonder, does the man pay for the peloton subscription? That's how they get you. Overall, I mean, he's doing some great things and it's all very reasonable. He's not like, now never turning on the heat. That feels borderline dangerous. We're gonna freeze to death. But as a single guy, apparently he can stomach through just about anything. But he's 160k in debt. He's trying to pay it off. And so let me couch this by saying if you are in a huge pile of debt, you need a huge level of sacrifice to get out in your lifetime in a reasonable amount of time. So I think it's wise that he's going a little bit extreme without sacrificing too much. He's moving his body, he's eating well, he's drinking well, he's not even drink. And so does a crispy boy. So good for him. And he seems to be happy making great content. That's helping people. So I gotta say, Sam, other than the heat you get, you know, two thumbs up. Let's do one more shall we?

[Frugal Millionaire Woman]

Controversial things I do as a frugal millionaire. According to real comments I've gotten wearing nice brands like Patagonia or North Face. People seem to think that being frugal means being cheap or that you can't own nice things, but it's about being mindful of what you buy. And personally I enjoy having a high quality coat when I live in the rainy, windy and cold Pacific Northwest. People also ask why I hire a nanny once a week because frugality isn't about deprivation and not being able to enjoy luxuries that add value to your life. I budget for a nanny because I value being able to have time for myself to focus on my passion projects and it's within our means. Another comment that caught me off guard was buying clearance and how by me taking advantage of clearance I could be taking away from someone else. And while I understand their sentiment, having wealth doesn't disagree disqualify you for using smart money habits. Still, being frugal and shopping clearance and saving money is exactly how we got here in the first place. And I'm always mindful of how much I take. That way I'm not hoarding everything two for 98 cents and similarly participating in my local buy nothing group. This comes down again to that sentiment of taking from others who really need it. I give far more than I request or take in those buy nothing groups and sometimes I use them just to borrow something instead of having to buy it. I never try to claim essentials like diapers or food because I know that would better serve other families. But for non essentials or things that have gone unclaimed then I will ask to be considered.

[Graham Stephan]

I really like her energy. She seems like just like a really thoughtful, kind, sweet person. I have very little notes here. I mean she's a frugal millionaire. She's doing everything intentionally. She lives her life. She delegates things that she doesn't want to do or wants to make time for other priorities like her hobbies. She's getting name brands when it matters to her, not as a flex but because she appreciates the quality. Love the buy nothing groups. I did a whole video on that. That's a great one. The buying clearance. She said people roast her for saying someone else could listen. There's like food pantries and a lot of resources for someone who's really in need. The clearance section at TJ Maxx, it's not it. So I don't know how people are throwing shade at that. That is wild behavior. And then use buy nothing groups love it. And truthfully people are going, well you didn't get to a millionaire that way. But listen, the principles got her there. The principles of living on less than you make, being intentional with every purchase, not buying crap you don't need to impress other people that will make you a millionaire. Buying something on clearance or buying two for $0.98 Chips Ahoys. That's not it, but the principle underneath it. I so appreciate what a great one to end on. M Big shout out to hey friends. I don't know how all our content is, but if it's like this, I'm in. I'm hooked. Honestly, this is the least angry I have felt after doing a react episode. I don't hate most of these ideas. In fact, there's a lot of good ones in there. Yes, some are over the top and probably meant to get clicks. But the truth is the frugal life isn't one size fits all. There is a wide spectrum and it's all about being intentional and getting creative with how you save because those small wins really do add up and the principles behind it. Like I mentioned, living on less than you make and being intentional with every purchase that will cause you to build wealth. So if you have a frugal habit that I didn't cover, let me know in the comments. The more unhinged the better if you actually do it. And if you like this video, I bet you're gonna love this one where I react to even more frugal people habits. You can click here to check it out or click the link in the description. As always, don't forget to hit like on this video. Subscribe to the channel and share this with a friend who is cutting their own hair to save money. And just know we can all tell Brad. Thanks for watching. We'll see you next time.