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Every month I focus on a new bill or expense that has been status quo for years – or even decades (damn) – to determine what’s truly important “The most important thing to note is that cutting your spending rate is much more powerful than increasing your income.

The reason is that every permanent drop in your spending has a double effect: it increases the amount of money you have left over to save each month, and it permanently decreases the amount you’ll need every month for the rest of your life.” That last line stopped me in my tracks: “it permanently decreases the amount you’ll need every month for the rest of your life.” This hit me hard, especially now that I’ve come to realize retiring early hinges heavily on your monthly expenses.

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