George Kamel - Frugal Face Off with Iced Coffee Hour

Episode Date: October 18, 2024

💵 Start your free budget today. Download the EveryDollar app!  Personal finance YouTubers Graham Stephan and Jack Selby are joining me on today’s episode to discuss how far is too far (and maybe a little too gross) to save a buck! See which of us wins the award for Most Frugal Millionaire.   Next Steps:  🎥 Watch my video “Confronting Graham Stephan and Jack Selby on Relationships and Money”  Connect With Our Sponsors:  🔒 Get 20% off when you join DeleteMe.  💸 Learn more about opening a high-yield savings account with Laurel Road.  📱 Visit Tello for more details.    Explore More From Ramsey Network:  🎙️ The Ramsey Show  🍸 Smart Money Happy Hour  💸 The Ramsey Show Highlights  🧠 The Dr. John Delony Show  💡 The Rachel Cruze Show  💼 The Ken Coleman Show  📈 EntreLeadership    Ramsey Solutions Privacy Policy  Learn more about your ad choices. Visit megaphone.fm/adchoices

What's up, guys, George Camel here, and I'm joined today by two of my very good friends, Jack Selby and Graham Stephan, two of the biggest names I might add in the odd little personal finance corner of YouTube. Would you agree? I would say, Graham, yes. We're already disagreeing. I like this so far. They are the hosts of Ice Coffee Hour, one of my favorite shows, and their YouTube channel has over a million subscribers, almost a billion views. Congrats on all the success. Have we hit a billion yet? That's what the team said.

Ice Coffee Hour is very close. Because the clips channel as well. I mean, if you add it together, if you add it all together, plus my views, it all... When you came on the show, that gave us a big boost. Thank you. So, yeah. It's been fun. I've enjoyed it, and we're going to do that again today. And some of the most viewed videos on this channel are about millionaires and being frugal.

And here we are, three frugal millionaires sitting together in the same room, what are the odds? So today, we're going to have a little frugal off to put you to the test and see who the most frugal is. And we don't have a segment title for this yet. I thought you could help. So we're going to do a vote. I'm going to list a bunch. Tell me your favorites. All right.

Penny Pinch Showdown. Three out of ten. Frugal feud. Six out of ten. That's okay. Cheap cheeks. Yes. That's it.

That's it for me. Oregon brawl. I like that. I like that. A 50 throwdown. Okay. Tightwad, tussle. Ooh.

I would say that's a nine for me. We got a nine. All right. Cash Clash. Save her show off. and deal duel. No. Now what was the one we liked?

Yeah, the one that... Tightwad tussle. Tightwad tussle. That's what we're doing today. All right, it's going to be your faces, and it's going to say tightwad tussle. I understand that? All right. Let's get into it.

I went to the frugal subreddit, which is one of the darkest, most wonderful corners of the internet. And so here's one of the questions posed. Is it okay to use a coupon on a first date? Yeah, why not? Have you done it? You haven't been on many first dates, I guess. that's not a dig because you're now happily yeah yeah it's been it's been but you've been with macy for a long time yeah over five years wow gosh yeah have i used a coupon on the date probably you're not above it

but you don't have a specific if i had something i would okay i don't think jack's the kind of coupon he's not a couponer i i would probably throw it out there before the date like i wouldn't just surprise her with a coupon you know so you're going to text her beforehand and be like hey i got a bogo red robin you get with that and i would think and i would get it and i would get it and i would aged off of that because she could also think I'm joking, you know? And if she's kind of playful and lighthearted with it, then sure, why not break out the coupon? That's a green flag. What about a gift card?

Does that still feel like if I had a gift card? You weren't worth using my own personal money, but I had a gift card. You have a gift card for it. I think it's okay. It really just depends on the effort you put in. And if you make it seem like a bigger deal than it should be. Like, if the bill comes, you're like, wait a second. I got the coupon.

Like, I'll be right back. And you go to the car. That's embarrassing. No, it's somewhere. But if you should get it to the waiter, like, it's a tip. Yeah. But if you pull it out, like, you have a credit card. Hey, and then you pull out the-

C-C. And then you pull out the coupon, like, with it. If it's seamless. If it makes it seem like you didn't put too much effort into it. If you put some RIS into it, then it's cool. Then it's okay. All right. But as long as you're not, like, frantically searching, like, where did I put it?

Here's my deal. If you're paying, it's no business how it gets paid and how much it was. Is that fair to say? That's just tacky. This is a great question. We want to ask you to turn the tables really quick. quickly. We had a bit of a bet. Oh, yeah, we did have a bet. Okay. Of what you would say.

Who should pay on the first date? Man. Who should pay on the second date? I'm still going, man. Who should pay on the third date? I think man, unless it was discussed. Oh, my, that is exactly what I said. That is exactly what I said. Jack said, man, and then split for the second or third.

No, I said, I said for the first two, he's going to probably say man, and then anything after that, that probably warrants a discussion. That's what I said. Yeah. I think if I'm. if it's getting more serious, depending how long it's been, I'm wearing a talk about, like, hey, we're going out, like, you cool, like if we just split, split tonight. If she's like, oh, yeah, absolutely. If she throws up a big fuss about it, then I'm like,

whoa, this is a weird red flag. Not because I expect her to pay or expect her to chip in, but just because the attitude towards it says a lot. Well, what you really have to do is you get the first one, and then you say, how about this? Don't worry, this is on me. You get the next one. But the next one, you can.

Really expensive. Right. Wow. Lobster. That's the thing is as the dates progress, they get nicer. That's why you get the first. Unless you start really nice and then you really dial it back, which is fair. How much should a first date cost?

That was a question I had for you guys. I'm going to go, what I would not spend more than on a first date is, I'm going to say 70 bucks. That's a lot. I mean, you're talking an entree, an entree, a drink a drink. It's already, you're already past 70. I think it just depends on where you go. I think plenty of happy hours out there. that you could get like, you know, 20 bucks a person.

I don't do like full out dinner on first date. Yeah, no, no, no, no. To be, I would do a drink. I would say coffee, you want to get a cocktail, whatever. Yes. That's my stance, which is why I'd keep it under 70. Beyond that, second date, I'm willing to go over 100. It's a lot, Jack.

I mean, I would, right, but it wouldn't be like my first choice, $100. It's kind of expensive. But if I see Jack roll up with the Ralee. I was gifted this. Exactly. It's free. But she doesn't know that. thinks this guy's made of money. I'm going to get the

I'm getting the Tomahawk ribby. They don't think of money. They just think it's a watch, you know? No, I think they see the Rolex. Really? And they see the T-E-Frey. If they see this, they go, this guy doesn't have money. You see an Apple Watch. You're like, all right, it's a series three. You know what I mean? But you wouldn't know that. Jokes on you. Okay. All right, moving on. Another Frugal Reddit user said this. I rolled the dice and ate some meat-free yet cheesy, 10-day-old soup recently. I was gassy, but okay. So here's the question. How many days are you willing to eat leftovers in the fridge? Like, what day is it like this is getting tossed? Oh. What's your

limit emotionally? This was something for me recently. We looked up how long salmon could be in the freezer for. Some say three months. Some say a year. Is this like raw salmon, cooked salmon? Uh, raw salmon. Just in the freezer though. Okay. Like, you know, like properly packaged, like still in the package and everything. Yeah, I'd imagine it goes longer than three months. Apparently, you could eat it almost indefinitely, but the quality of the fish goes down. That makes sense. The taste. Perfectly fine to eat, so don't waste it. All right. Yeah. So what's your deal for leftovers? You cook a meal, it goes in the fridge. Yeah, so if I don't see mold, what I'll do is just take a little bit, wait an hour. And then if I'm okay, then I know it's safe.

It's a bold strategy, cotton. Let's see if it pays off for them. How about you? I would just look it up. So, like, if it's spaghetti, I would just say, how long is spaghetti good in the fridge? It says two to three days, and then I try to remember when I cooked it, and then kind of just, you know, take the chances. Very resourceful.

You should have thought of that. Just Google it, bro. I do, but they're wrong sometimes. That is true. He has, like, two to three days, but it's like two weeks later. What does the internet know? Have you seen the internet?

Are you just going to trust them? All I know is I got really, really, really bad food poisoning one time from ground turkey. It's all it takes. And then that kind of was traumatic enough for me to realize. I realize, okay, I should take this a little bit more seriously. Turkey trauma, that's no joke. I do trust a lot of the anecdotal experiences on Reddit,

like the one dude who's like, you know, I had this after a month. Totally fine. I'm like, if this guy's fine, I'm probably fine. Perfect. Some of these guys are tanks, though. They can handle it. We can't. We're not made for that kind of lifestyle.

All right. Someone else shared this travel hack. Stay home. Pretty good hack. I love that. But you guys are known to be world travelers. So how do you save money when you travel? And I'll start, kick this off by saying, last time you were here, you said,

hey, can we crash at your place, save some money in a hotel, which I would have obliged if my mother-in-law was not staying with us. So that's one hack is try to avoid paying for hotels. We split Airbnbs. That's your move when you travel. Yeah, because it really depends on where we're going. But a lot of times booking two side-by-side rooms at a hotel is more expensive than an Airbnb. Really? Yeah.

I figure the cleaning fee alone is going to crush you. No, it depends on how long you're staying there. So that can ramp the price up. If it's a one or two night, hotel might be more affordable. Yeah. It depends. You just have to look and scrape everything that you can find and then pick a place that's the cheapest. And we've done the rooms too where it's like one hotel room, two beds.

You share a bed to save money? No. He offered one time. No, don't act like it's an absolutely not because you offered one time. When? When we were in that one hotel room and Alex offered to share with me too and I said no to both. And I slept on that. I definitely never offered.

It was like a bench. I slept on a bench. The weird thing to make up in his defense. Alex. Alex offered it. And you know what he said? He said, you know what we can do if this makes you uncomfortable? We can build a pillow wall between us.

That's what he says. I did say that, though, if we had to. So he did offer. What do you mean if we had to do that's a wall? Clearly an offer. We were putting three people in a hotel room with two beds, and they would not allow a cot to be put in there because it was a fire hazard, apparently. It blocked like a walkway or something.

Okay. Who's Little Spoon? Graham would definitely be Little Spoon. You always have to ask, scientifically. Don't ask questions you don't want the answer to, buddy. One way you save on travel is you don't go out and buy expensive coffee. You're drinking the Free Ramsey Coffee, and I noticed you had some coffee from a local coffee shop here, and I asked you, is that from this morning?

You said, no, it's from yesterday. And I said, what is in it? Please tell me you're not drinking day-old coffee. And what did you say you did? I made coffee at the Airbnb, and I put it in this. I keep the cup so I could take it with me. And this coffee, by the way, what was the place called? Just Love.

Just Love. Free refills. Coffee. So I had one, I got a free refill. And did you rinse it before adding your own coffee? He definitely didn't rinse it, no. No. No.

Why? It's got old coffee in there. I know. He's... I put coffee in the fridge all the time for days. Are you a black coffee guy? Yeah. Oh, yeah.

Let me just say, this is what happened to me this morning. I woke up. Graham said, Jack, I made some coffee. It tastes like sludge. Do you want some? That's what he said. Not a great. Forbado.

That's what he said. Wait, how did you make it? How did you make said coffee? It was just like a Folgers, one of those. What? It just, it wasn't good. I said, I make it very, like, very strong. They had a coffee maker and they had the coffee maker.

I put the Folgers in the top. As soon as I see Folgers, I go, you know, beat it. It was not good. But I said that just, you might want to just down it. I don't know. I said, no, they have this at Ramsey Edwards. It's delicious. I'm just going to get this instead.

This guy, this guy gets it. He did say that. All right. Well, you're winning. so far in the frugal off. You're willing to take more risks. More chances. Chances with his help. Okay, here's another comment. I mixed Don dish liquid with some water and a spray bottle to clean my dishes. Just spray what I need. It really cuts down on the amount of dawn that I use

slash waste. So do you water down the soap? And if so, who hurts you? I water down my shampoo occasionally. But I don't water down the soap. I do that too. Is it too viscous? Do you find that the shampoo is it's too thick? No, let's make sure to get a word. Thank you. Yeah, that is a great word. I was waiting to use that, waiting for the perfect. It's the first time I've heard that word. Ever? Is it actually?

You just hung out with Jordan Peterson. He didn't drop a viscus? Do it, JP. Okay, buddy. You'd be willing to water down shampoo, not liquid. Just to make sure I'd get it all, you know? It's not even like to water it down. Just like at the end, you know, you kind of just shake it up and then do what you got to do.

That's fair. All right. So that's actually a great life hack that you could do is Don Dish soap. Mix it with water and you could clean windows with it. Oh, I haven't tried that. way cheaper than the window cleaner. Like, you know, the windex. All right, not enough, so you could die.

Too much, you're going to be sitting there trying to get all the suds off. That's it. That's where I'm going with it. Another frugal redditor said, learn to forage. Another underused word. When was the last time you pulled over

side of the road just snagged some berries, some edible wildflowers? I don't think I've ever done that. Have you ever foraged? I have foraged. Apple picking? You guys never went apple picking? I feel bad because I don't want to,

steal someone's apples. But if it's like, honestly, this is bad, but back in cross-country, I used to run to these strawberry fields and I would forage the strawberries. Wow. Yeah. You filthy criminal.

Yeah, I'm not a big forager. Not a big camping guy, which is a frugal vacation, but not a vacation. That's like a trip to me. Like, I might as well be on Fear Factor. Are you guys not campers? No.

I would do it if it was a necessity. You would do it if it was like a, if it was a Mr. Beast video, and there was a million bucks in the line. I would, yeah, I would do that. There we go. You know what I think is a good exercise real quick, not to hijack this whole thing? No, hey, you take over.

Why don't, why don't you just walk us through your outfit and we'll see who's the most frugal if, you know, how much does it cost? Man, this is, uh, this was used from Poshmark. I believe it was new with tags, but I bought it from the Poshmark app. Someone was selling it. So there you go. How much was that? I don't know, maybe 50 bucks.

50? Okay. Okay. T-shirt, bonobos. Benoos is expensive. Use Ramsey money to purchase. Oh, okay. You know, so that's nice.

So free. Yeah. Okay, and then what about... Made well jeans, got them on sale. Again, I believe Ramsey money for wardrobe, and the same with the shoes, which I made myself on the Nike website, which I believe are $100. So that's it. So you're $150 for your whole outfit.

Yeah. No, 100. These are probably, I don't know what Made well charges these days. Probably a pretty penny, 100 bucks. See, that's when you know you've made it is when you don't know the price of your clothes. Easily could be almost $200 for this whole outfit. Now, tell us about your Rolexes, gentlemen. Okay.

You're not going to believe this. Mr. Frugal. You're not going to believe this. The Rolex. It was a gift by Noah Kagan. The shirt was a gift from Jason Oppenheim. Free. The pants were a gift from Brett Oppenheim.

Oh my gosh. Bessie was a sponsor of our channel. So you life has... All I paid for was the socks from Amazon that were probably $10. Okay, he's winning so far in the Frugal off. Oh, even the belt is a gift from Brett Oppenheim. All right. So 10 bucks.

I got to become friends with these Oppenheim. We wear the same clothes. I was not, I didn't have the opportunity to be on selling sunset. It was not in my, in the cards for me. Next time you're in Vegas, I have a ton of clothes. Can we hang out? Yes.

With them? Yeah. That was a very, that was a delay. I was like, yeah. I heard some shit. They love to hang out with you. All right, how about you? Vessi's on the feet.

So completely free. Shout out Vessi. Okay. Got some pants. Costco. Honestly, guys. You're a Costco guy. I am a Costco guy.

I am a Costco guy. Yeah. We're Costco, guys. I am a huge Costco. If you guys want to get some good athleisure, Costco, these were like 20 bucks. So they're great. That's good. This is a gift for my mom.

So you have the Oppenheim brothers. He has mom. Yeah, I have mom. That's really sweet. I'm still a mommy's boy and I really don't care who knows it. All right. Another comment, I don't flush my loo every time I pee, especially not during the night. If it's yellow, let it mellow with the lid down, of course.

What's your personal policy on this? So this is actually a very personal story. that I regret to share, but I feel like I have to. It sounds like Graham's going to share it if you don't, so... I want you... He doesn't like when I share this story, actually. Oh, boy, all right. It's funny.

I'm choking up. Okay, now the suspense is really starting to get thick. I lived with him in Santa Monica in the guest unit, and he would come down, and we would do title and thumbnail, and we'd post the videos together, respond to comments, and during one of those sessions, I went in, and I used the toilet, I peed, as one does. I left the bathroom, and then Graham said,

Hey, look, man, I know this is kind of like, it's kind of weird, but like, if you go in there and you pee, is there any chance you could just not flush it? Yes. He asked. He was mad that you flushed. He asked me to not flush my pee. This man knows what a gallon of water costs. Well, I looked it up, and now we do. And this is a gallon of flush.

And this is California. Water is a precious resource. We looked it up, and it was just under a penny of flush. And so I was like, okay, that's super weird. A penny for my flesh, my good man? So I decided not the 100 flushes a day. It's a dollar a day.

Have a little penny jar there and you drop a penny every time you... The problem is I'm not even kidding. This is actually happened. I was joking. He wasn't joking. He wasn't joking.

He was not joking. You weren't. And then guess what happened? I stopped flushing when I pee. But the problem is it would like be three, four urinations in the toilet. This is really getting gross. But like three, four urinations.

What happens when you pee in the toilet three, four times. You tell me, buddy. I don't live that kind of lifestyle. Well, I'll tell you, I'll tell you, because I've done it. It doesn't smell good. That makes sense. It's the odor.

I was joking. He was joking, man. I was having fun. I was joking. You should be paying when you flush. I took it seriously. That's such another man's watering. Graham, you said this in the most like, just straight-faced thing.

Were you renting from him or living for free? No, I was living for free. Okay, I think that's fair. Then you should be paying for your money. flushes if you're living for free. How is this guy supposed to recoup? That's okay, you know what, you're right. He's paying the utility pills. You're right. And you're just free-loading

flushes over here. I said that also about the shower. He told me to shower? Faster showers. Faster showers. Okay. I said he was in the shower for like too long, like 15 minutes and like keep it under five. Do you collect the bath water and reuse it? Is that part of your strategy too? I wish I could and just water the plants with it.

This goes along with it. Another redator said, I squeeze my toothpaste extra hard. This feels like table stakes for being frugal. This has a lot about a person. Do you squeeze from the end or you squeeze from the middle like a psychopath? You got to roll it up. Yeah, so... You're a roller. I roll it up. You get to that last little bit and you have to press

upwards with your thumb. Honestly, it's the only workout I do. Yeah, but I want to say, it's not done yet. Is you have to cut the end off the toothpaste. If you're cut your toothpaste... Open it up and then you take your toothbrush in there, scrape it from the inside. Do you actually do that? I do. What kind of toothpaste do you use?

It's a crest? No, he uses a censadine. A sensible man uses a censadine. You know what he even does? Is he purposely forgets his toothpaste so he can use mine. That's a life hack right there. There's no way you're doing it on accident. There's no way you're doing it on accident.

It's been too many times to do it on accident. The travel size dried out. Something to happen with it. I don't know. All right. We got a lightning round here. You ready to go? Yeah.

Because I feel like so far, pretty neck and neck. This guy doesn't even flush. His own pollution. Are you picking up the to-go order, or are you going to pay extra for delivery? Oh, you're a good one. I feel like you're a delivery man. You're a man of convenience. I would probably take the delivery over to-go.

You're willing to pay the extra $5, $10, $15. Well, here's the thing. I go to Chipotle every day. Isn't that a bit excessive? So I guess that makes me not very frugal. That in it of itself. But I did do some calculations, and it is pretty close to the same if I do Chipole versus groceries. And I do like to pick it up every day.

But it's on my way to the gym. You adding guac? Recently, yeah, I've decided to. Wow. Yeah. Get out of here with that non-frugality. He's more frugal than I am. I don't even do gull.

This guy brings his own guac, I bet. Let me just point out one last thing. When we go to hotels, one thing Graham does, and he's done this several times, I'll see him whip out his phone, open up the calculator app, and run like 20 calculations in like 90 seconds. And I know what he's doing. And this one time, we were going to get a hotel. And I wanted separate rooms. Like what was it the same room?

No, I think I wanted separate rooms. I wanted the same room. Yeah, that's usually how it goes. And then what he was doing was calculating the cost per minute of sleep difference. After tax. After tax. That is next level. Adjusting for inflation.

Yeah, we write this off, after tax, my split, like, everything that you could ever imagine. Cost per minute of sleep. Wow. Yeah. He's lost his mind. And it was like a $38 difference, like after tax. After tax. Okay.

So for me, I was like, okay, $38. After tax for X amount of sleep, I would pay that. Wow. That's a good, it's a fair price for me to pay. You are the goodwill hunting of our generation. I mean, you are a prodigy when it comes to frugality. I will do that. So are you paying for delivery?

No. Where would you pay for delivery? I have, it's rare. It's very rare. You just pick it up. It's only if I have a deadline. And it's like I, I got to get something done and I can't leave and my cost is too high to be able to go.

Yeah, he's winning so far. You're right. All this frugality talk got me thinking, can you be saving more money on your cell phone plan? I think you can by switching to Tello, one of the sponsors of today's video. They've got the same high-speed nationwide coverage

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Researching promo codes for online purchases. How often are you just going? Add DeCard, I'm buying it. Yeah, I screwed up a lot on that. I often spend way too long trying to find a coupon code. Oh, where are you looking at? I'm talking like 30 minutes. Why don't you just text me?

You have coupon codes? Oh, I do. I have for days. Really? Yeah, I got hacks. Can you tell me? I was ordering some rather expensive pieces for the house. And by rather expensive, I mean by piece?

That feels like rich people talk. Like furniture. Got it. See, you call it. I was buying a chair. I was getting some pieces for the house. It was like ornamental stuff for the house, but they were like a few hundred dollars each. And I knew I'd need money.

multiple of them. So there was a coupon for 20% off your first item when you sign up. So I made four different email addresses because I had already used this like in the past or all of the other. So I made four different accounts, four different email addresses, purchased the same item four times with those four different accounts, but I got 20% off every single item. Would you be willing to do that? I don't think so, Mr. I mean, look, if it's expensive, I would. I think I'm reasonably frugal. I like 80-20. Would you just buy the lower like lower price? item versus buying a higher price for trying to get a deal? I would, I usually like to get, if I'm going to spend some money on something, I like to

get the nicer of the things, generally speaking. And I try to find it cheaper. Like if it's something that I'm consistently buying. What's the nicest thing you personally paid for recently? You're not going to like this. You're really not going to like this. I was not happy with it. If both of us are unhappy with it, you're in trouble, Mr.

No, no, no. It's, I'm just saying because, look, the American Express Platinum card, they give you a, the business one gives you. a nice little credit towards, what is it, Dell.com. And so I used that credit and spent a little extra money. And it was like $300. On what? On what?

I'm a speaker. You bought a speaker from Dell? Yeah. I like that. Was it a nice speaker? It's a great speaker. Yeah, Amazon Echo Studio. So.

Why would I be upset by that? Just because, yeah, it was a use of a car. Why are you upset by it? I always talking about the car, Tesla. Oh. Yeah. He thinks I should have financed it because they had, like, its promotion that they ran right afterwards.

So you paid cash? I did, yeah. And I'm going to be upset about that? No, no, no, no. I don't think you'd be upset on that. Oh. He bought the Tesla Model Y at peak pricing. Oh, poor timing.

Yeah. Terrible timing. And I told him, your car's fine. Just wait. Just keep driving your car until it doesn't run anymore. You didn't say that. You did not say that. You were not telling me.

How is he supposed to know the price was going to go down? Exactly. He thinks that he knows these things. He had a crystal ball? I didn't. No. No, you know what he has. I didn't buy the text.

I didn't buy the text. I didn't buy the text. What he has is amazing hindsight. That's what he has. That's his number of his skill. Brilliant. Your skill is extraordinary. We got a few more.

Are you self-parking, driving around looking for street parking, or are you paying for the garage fee, the valet fee? Never valet. Never. Even if it's free valet, but you got a tip? Only if you have to valet. Like some places, it's like there's nowhere to park and you have to valet it. You're stuck. Okay.

What's your move? if you're driving around. I'll find parking. I'll find free parking usually. Unless if I'm like, if I'm, you know, doing something, you know, not by myself and I'm like with friends, I'm like, I don't really want to subject these people to that. To you driving over 15 minutes. I like walking. So it doesn't bother me.

But you know what you do in those cases? You drop them out. Drop them off. Oh, that's a good move. That's a good move, yeah. And then you find your own parking and you run back. I offer that to my wife because I don't want to subject her to it, but I also don't want to pay the fee. So I'll say, let me drop you.

I'll go park and I will truly run. I'll run back. Yeah, I'll do that too. I'm not going to make her run, but I'm a runner. I look like a valet guy, wherever I am. Yeah, I can see that. Is your wife pretty frugal? Um, she is in certain ways, but she likes nice things.

And so I don't want to subject my own frugality onto her. But I'll usually say, hey, before you make the purchase, let me know so I can help us save money. Does she admire that quality in you? I think she does. Is she attracted to that quality in you? I wouldn't say anything about me as attractive, but I would say she appreciates the frugality. Not the conventional way. Because what it does, it gives me more margin for things that actually matter.

You know what I mean? So if I can save, like I save my friend, Dr. John Deloney, over 200 bucks on a hotel booking. While we were on the Ramsey show in a break, he said, hey, I'm trying to book a hotel in Houston. Help me out. I went, don't do it this way. Here's what you're going to do. Over 200 bucks save, like that. Okay, well, what's the hack?

So we found the hotel that he wanted, did some research on like Hotels.com. It was going to be $560 for two rooms. I went to price line deals, and then I used a browser extension called Travel Era, which lets me see through the price line deal to let me know what hotel you're actually booking. Because the deal is it's a lower price, but you don't really know the hotel. You know the rating, the general area, the amenities, but you don't know what hotel you're booking. So Travel Arrow reveals what hotel is behind that with their secret algorithm. So I knew we were booking the Westin Houston.

And it was $343 after taxes for two rooms instead of $560 something dollars. Asking a friend to drive you to the airport, or are you going to book an Uber? I'm guessing this is your only friend, so it's a difficult thing. always traveling together. Jack will never pick me up from the airport. I'll always say just take an Uber. We'll ask, we'll ask friends to take us to the airport, or pick us up. But I mean, if it's

like a terrible time or like, usually for me super early in the morning, I'll always just pay for an Uber because they never want to subject some. That's very good. Yeah. Well, this goes along with it. Asking friends to help you move or are you hiring professional movers? Oh, I'm moving. Yeah, I'll do it myself. Whoa, DIY.

Yeah, it just doesn't bother me. Like, I'm totally happy. You don't have a lot of stuff, I feel like. I've been acquiring. You ever try to move an aquarium by yourself? I have a few pieces. Spoken like a guy who doesn't have pieces with no aquariums. Yeah, I have, unfortunately, had to move myself, like, a couple of times.

Like, you get in a U-Haul? What are you doing? Me personally? Yeah. No, I move my own items, my own pieces. How? I would say, like, throw in the back of the car, you know? You can fit a couch in the back of your car?

Well, I've never had to move that much. There it is. This man owns nothing. What's the biggest piece of furniture you own that would be like a real hassle to move? Bed? No, the aquarium? Is that a piece of furniture? Where do you put the fish in the meantime while you're moving?

Bags. They're just in bags? Bags of water. That'd freak me out, man. You move me out of this room into a bag of water to transport me. It's over. All right. Most expensive coffee you've ever purchased for yourself from a coffee shop using your own money.

My guess is probably around $9. Yeah. I would say it's like, you know, like a $7 cup of Joe from like some boutique place in New York and then, you know, tip and tax and stuff. Okay. Nine bucks. Can you beat that? Probably not. It's probably about the same.

Like, if you spent that, I probably spent something similar. What did you get, you think? I don't get, like, the fru-frew drinks. I just get, like, a black coffee, iced, maybe, like a pump of, like, something. All right. But usually you add, like, the tip and tax and all that stuff, and it's just, it's like eight bucks. And it makes you go, I never want to. I'm going to make coffee from the whole.

I try. Yeah, it's desperation if I'm doing that. Wow. Well, thank you guys for showing America what frugal millionaires really look like because they're out here. They're buying the frou-frou drinks. They're not doing our frugality stuff and they're wondering why they're broke, why they can't get ahead. So this is all part of it, right? It's coffee and avocado. What would the encouragement be for those to say, well, that's, why would you want to live like that and be so frugal? That's no way to live. The thing is, I enjoy it. You know, at the end of the day, I like saving money. I find a lot of enjoyment from it. And for me, it's a big. of like a fun game to see oh can i save like four dollars over here five dollars it's you're getting

little points and then those points add up so it seems silly to some people i enjoy it it's one of his only hobbies let them happen that's it how about you jack i would say apply like an 80-20 rule so i guess just save money where it actually makes a difference and then don't worry too much about the smaller things the stuff that doesn't actually make an impact and on top of that what i like to do is make my decision of what I'm ordering or how my rules are going to be with regard to spending money when I'm not actually in the environment of spending money because then I'll be, you know, emotionally spending or something like that. So like I tell myself I will never pay more than X amount for coffee when I am perfectly neutral under the impression of the coffee shop.

And I'm all about just being intentional. Is this the best option, retailer and price? Let's put a fair amount of time to make sure that we've done the research so that we don't have regret and so that we have margin to use the extra money for the other stuff that really matters. End scene. Thank you both for being here. Always have fun hanging out. Appreciate it. Thanks for having us on.

Big thanks to Graham and Jack for coming by and for a great conversation. Let me know in the comments who else you want to see on this channel in this studio. And don't forget to like and subscribe. And if you enjoyed this video, be sure to check out this one where I started an awkward fight between these two knuckleheads. Definitely worth a click. I will link it below as well. Thanks for watching.

We'll see you next time.