15.5 Things That Are a Complete Waste of Your Money

Summary

This video highlights 15.5 common ways people waste money, starting with bulk purchases and extending to everything from eyewear, medicines, flights, and travel fees. The speaker provides practical advice on saving money by avoiding unnecessary expenses, using tools like VPNs to lower flight costs, opting for generic drugs, negotiating purchases, and utilizing cashback options. It also shares strategies to reduce spending on things like glasses, travel, and lottery tickets while encouraging smarter financial habits and providing details on an upcoming savings challenge.

Takeaways

• 😀 Buying in bulk might not always be the best option, especially for perishable goods in smaller households, as items can expire before being consumed.
• 💰 Wealth-building is more about savings rate than income, as explained in the book 'The Psychology of Money.' A savings challenge can help people build better habits.
• 🛒 Stores like Target and Costco are designed to tempt customers into buying more by using tactics like strategic store layouts and larger shopping carts.
• 👓 Designer glasses are overpriced due to a monopoly by Luxottica, which controls much of the eyewear market and marks up prices despite using similar materials across brands.
• 👗 The 'Love it or Leave it' shopping strategy encourages buying only things you truly love, which can lead to better quality purchases and fewer unnecessary items.
• 💊 Generic medicines are equally effective as branded ones and can save you up to 85% in costs, as generic drugs are required to meet the same FDA standards.
• ✈️ Using a VPN to change your location can result in cheaper flight tickets, a trick the speaker discovered when booking international flights.
• 📱 Using an eSIM can help avoid expensive roaming fees and make staying connected while traveling easier and more affordable.
• 🧾 Late fees on credit cards can often be waived by simply asking customer service, as companies prioritize retaining customers over collecting small fees.
• 🚗 Negotiating for big purchases like cars is more effective when using data-driven approaches rather than emotional bargaining, and other benefits like better financing can be just as valuable as price reductions.

Q & A

Why does the speaker believe buying in bulk might not always be a good idea?

The speaker explains that buying in bulk can lead to waste, especially if you live in a smaller household. Items like perishable foods may expire before being consumed, which negates the savings you get from buying in bulk.

What is the key takeaway from the book 'The Psychology of Money' according to the speaker?

The key takeaway is that wealth is more about your savings rate than your income. Building wealth comes from the money left after your expenses, meaning managing savings is crucial regardless of how much you earn.

What strategy does the speaker recommend to avoid overspending in stores like Target and Walmart?

The speaker suggests creating a shopping list before entering the store and sticking to it. This helps avoid being tempted by marketing tricks like larger carts, enticing smells, or strategically placed items.

Why are designer glasses and sunglasses considered overpriced according to the speaker?

Designer glasses are overpriced because a company called Luxottica controls up to 80% of the major brands, allowing them to set high prices. Most glasses are made from the same materials in the same factories, so the higher cost is often just for the brand name.

What is the 'love it or leave it' strategy mentioned by the speaker?

The 'love it or leave it' strategy is a shopping approach where the speaker only buys items they absolutely love, instead of things they merely like. This reduces impulse purchases and helps them focus on quality over quantity.

How can buying generic medicine save you money according to the speaker?

The speaker states that generic medicines are legally required to have the same quality and active ingredients as branded versions, but they cost much less because they don't have the high advertising costs of branded drugs.

What trick does the speaker use to get cheaper flights?

The speaker uses a VPN to change their location to the country they are flying from, which can result in lower ticket prices due to regional pricing differences.

How does using an eSIM save money and time while traveling?

An eSIM allows you to connect to the internet immediately when landing in a new country, avoiding roaming charges and the hassle of finding a local SIM card. This saves both money and time.

What is the anchoring effect, and how do companies use it to make sales more attractive?

The anchoring effect is when consumers focus on the original price of an item, making the discounted price seem like a great deal. Companies use this psychological trick by inflating the original price so the discount appears larger.

What method does the speaker suggest for avoiding ATM fees when traveling?

The speaker recommends using a Charles Schwab checking account because they reimburse ATM fees worldwide. Alternatively, finding a bank with a large ATM network can help avoid these fees.

Outlines

00:00

💡 Why Bulk Purchases Might Not Always Save You Money

This paragraph discusses the potential downsides of buying in bulk, especially when it comes to perishable items. The speaker shares their personal experience of overbuying at Costco and explains that, for smaller households, it’s often better to purchase regular-sized items to avoid waste from expiration. The speaker recommends shopping at local supermarkets like Lidl or Trader Joe’s for everyday items.

05:01

📈 The Key to Wealth: Focus on Your Savings Rate

The paragraph emphasizes that building wealth isn't just about high income or investments, but about having a strong savings rate. Referencing the book *The Psychology of Money* by Morgan Housel, the speaker explains how joining a savings challenge helped them develop a structured savings strategy. They also promote a free 5-day savings challenge, encouraging viewers to join for a chance to win $11,000.

10:01

🛍️ Avoiding Unintentional Spending in Retail Stores

Retail stores like Target and Walmart use psychological tricks to encourage unplanned spending. The speaker gives examples like strategically placed products and sensory cues (e.g., larger carts, fresh bread smells) designed to lure customers into buying more than they intended. The speaker advises making a shopping list beforehand and sticking to it to avoid impulse buys.

👓 The Hidden Truth Behind Expensive Glasses

This paragraph reveals the monopoly Luxottica has on the eyewear market, controlling 80% of all major glasses brands. Despite the price differences, many high-end glasses are made in the same factories as cheaper brands. The speaker points out that customers are often just paying for the brand name, while the materials and quality remain the same across many products.

🛍️ The 'Love It or Leave It' Shopping Strategy

The speaker shares their personal experience with overbuying clothes in the past and now advocates for a ‘love it or leave it’ approach to shopping. This strategy means only buying items you truly love, leading to fewer but higher quality purchases. This approach saves both time and money by reducing the number of items bought and increasing the frequency of use of each item.

💊 Save on Medicine by Going Generic

The speaker learned that buying generic versions of medicines can save significant amounts of money, as they are legally required to have the same ingredients and quality as branded drugs. The only reason branded medicines appear superior is because of their extensive advertising campaigns, whereas generics are cheaper due to a lack of marketing costs.

✈️ Use a VPN to Save on Flights

The speaker discovered a trick to save on flights by using a VPN to change their location. By setting their virtual location to the country they were flying from, they managed to reduce the cost of a plane ticket from $850 to $550. This paragraph also briefly discusses the benefits of using an eSIM to save on international roaming fees while traveling.

🏦 How to Avoid Credit Card Late Fees

Credit card companies made $14 billion from late fees in 2019, but the speaker shares that you can often get these fees waived just by asking. They recommend calling customer service, especially if you rarely incur fees or are a long-term customer. Persistence can pay off, as trying different representatives might result in having fees waived.

🚗 Mastering Negotiations for Big Purchases

The speaker offers tips on how to negotiate effectively for large purchases, such as cars. They suggest separating emotions from the negotiation and focusing on data-driven facts, such as market value and sales trends. They also advise asking for additional benefits like warranties or financing terms instead of just a lower price.

🛒 Beware of the 'Sale' Trap

This paragraph explains how stores manipulate customers with discounts, often inflating the original price to make the sale price seem more attractive. The speaker references *Predictably Irrational* by Dan Ariely to illustrate how customers fixate on the discount, leading them to make irrational buying decisions based on perceived savings.

💻 Get Cashback for Online Purchases

The speaker shares how they use a free plugin called 'Rutin' to get cashback on online purchases. They explain how the plugin allows users to earn rewards from major retailers like Apple, Nike, and Adidas. In one example, they were able to save significantly on an Apple AirTag by using both the cashback promotion and their Apple card.

🎁 Buying Souvenirs That Last

Instead of buying large, impractical souvenirs while traveling, the speaker suggests opting for small, meaningful items like fridge magnets. Magnets are affordable, easy to transport, and serve as great conversation starters. The speaker emphasizes that they are a much better alternative to bulky, expensive memorabilia.

🎟️ The Odds of Winning the Lottery Are Not in Your Favor

The speaker highlights how unlikely it is to win the lottery, with the chances of winning the Powerball being 1 in 292 million. They compare it to the much higher odds of being struck by lightning, humorously noting that people don’t wear ‘anti-lightning suits,’ further emphasizing the futility of buying lottery tickets.

🏧 Stop Paying ATM Fees

ATM fees can add up quickly, with some machines charging up to $5 per transaction. The speaker suggests using a Charles Schwab checking account, which reimburses ATM fees globally. For those who can't open such an account, they recommend finding banks with large ATM networks to avoid fees altogether.

📶 How to Get Free Wi-Fi at Hotels

Many hotels charge for Wi-Fi, but the speaker offers a simple solution: join the hotel's rewards program. Many major chains like Marriott and Hilton offer free Wi-Fi as a perk for members, and signing up is usually free. This can save travelers from paying unnecessary fees during their stay.

Keywords

💡Bulk Purchases

Bulk purchases refer to buying large quantities of items at once, often seen as a way to save money. In the video, the speaker challenges this notion, explaining that it can lead to wastage, especially for perishable goods that may expire before they are fully consumed. The concept emphasizes that buying in bulk is not always the most cost-effective strategy for individuals living in smaller households.

💡Savings Challenge

A savings challenge is a structured activity where participants follow specific steps to save money over a period. The speaker mentions hosting a free 5-day savings challenge, which aims to help people build wealth by developing better saving habits. The idea is to increase accountability and provide a clear roadmap for improving one's financial situation, which ties into the broader theme of financial literacy.

💡Psychology of Money

The 'Psychology of Money' refers to understanding the emotional and mental aspects that influence financial behavior. The speaker references this in the context of how wealth is more about savings rate than income or investment returns. This highlights the importance of managing expenses and having a strong savings habit, a core message in the video about improving financial well-being.

💡Spending Without Intention

Spending without intention occurs when consumers purchase items impulsively without planning or necessity. The speaker discusses how stores are designed to tempt shoppers into buying more than they need, such as placing attractive deals or items in strategic locations. The solution offered is to create a shopping list beforehand to avoid being swayed by these external influences.

💡Love It or Leave It Strategy

The 'Love It or Leave It' strategy is a method for curbing unnecessary spending by only purchasing items that one genuinely loves rather than simply likes. The speaker adopted this strategy after realizing that they were buying items they barely used. This approach forces a more selective buying process, focusing on quality over quantity, ultimately saving money and reducing clutter.

💡Generic Medicine

Generic medicine refers to drugs that are not sold under a brand name but are equivalent in terms of ingredients and effectiveness. The speaker highlights how switching to generic medicine saved them money on allergy relief, dispelling the myth that brand-name medicines are superior. This aligns with the theme of making smarter financial decisions by opting for cheaper alternatives with the same benefits.

💡Dynamic Pricing

Dynamic pricing is the practice of adjusting prices based on demand and other factors, which can result in significant price fluctuations for goods and services. The speaker mentions how airlines and hotels use this strategy, and how they were able to save money by using a VPN to get better rates. This emphasizes the importance of being aware of such pricing tactics and finding ways to minimize costs.

💡eSIM

An eSIM is a digital SIM card that allows users to connect to mobile networks without needing a physical SIM card. The speaker explains how using an eSIM saved them money on international data fees and enabled them to stay connected while traveling. This concept underscores the video’s theme of making informed choices that save both time and money, especially during travel.

💡Negotiation

Negotiation is the process of discussing terms to reach an agreement that benefits both parties. In the video, the speaker shares how they used negotiation tactics to buy a car at a lower price. The key takeaway is that negotiation is not just about lowering prices but creating a win-win situation, by leveraging facts and data to make a compelling case. This highlights the importance of negotiation skills in making big purchases.

💡Anchoring Effect

The anchoring effect is a cognitive bias where people rely too heavily on the first piece of information they encounter (the 'anchor') when making decisions. The speaker explains how companies use this effect by showing high original prices to make discounts seem more attractive, even when the 'sale' price isn't necessarily a good deal. This concept ties into the theme of being mindful of marketing tactics and making informed spending decisions.

Highlights

Bulk purchases may seem like a good deal, but they can lead to waste if food expires before consumption.

Wealth is built more through savings than income; your leftover money after spending is what defines wealth.

Participating in a savings challenge can help hold you accountable and build better financial habits.

Big-box stores like Target and Costco are designed to tempt customers into buying more than they planned.

Designer glasses are often priced much higher due to brand names, even though many are made with the same materials in the same factories.

The 'love it or leave it' strategy helps minimize purchases by focusing only on items you truly love and will use frequently.

Generic medications are often much cheaper but are held to the same quality standards as their brand-name counterparts.

Using a VPN to change your location while booking flights can significantly reduce ticket prices due to dynamic pricing models.

eSIMs offer a convenient and affordable way to stay connected when traveling, avoiding costly roaming fees and local SIM card purchases.

You can often avoid credit card late fees by simply calling customer service and politely asking for a waiver, especially if you don't incur fees often.

Negotiation tips include focusing on win-win solutions, using facts and data to back up your offers, and seeking additional benefits if prices are fixed.

Be wary of sales and discounts that trigger the 'anchoring effect,' leading you to believe you're getting a better deal than you actually are.

Cashback plugins can save you money on online purchases by earning back a percentage of your spending from major retailers.

Souvenirs like magnets are a simple and affordable way to remember vacations, avoiding large, impractical purchases.

Lottery tickets have astronomical odds; you're more likely to be struck by lightning than win the jackpot.

Some hotels charge for Wi-Fi, but you can avoid these fees by signing up for free reward programs offered by hotel chains.

Transcripts

here are 15.5 things that I believe are

a complete waste of money starting with

bulk purchases this is a bit

controversial but many people think

buying in bulk is a great way to save

money but it might not always be the

best choice for instance I used to buy

everything from Costco because I was

saving 50 cents per ounce but I live in

an apartment with my girlfriend and I

keep forgetting that we can't eat for a

family of five the issue with buying in

bulk is things expire and it ain't worth

forcing yourself to finish it before

that expiration date Trust me so for a

lot of perishable things like veggies

snacks and meats I'll just buy them in a

regular size from the supermarket like

little or Trader Joe's number two not

knowing the best saving strategy in the

book the psychology of money Morgan hell

says Building Wealth has little to do

with your income or Investments and lots

to do with your savings rate wealth is

just your leftover money after you spend

what you take in you can build wealth

with a high income but you can't without

a high savings rate the problem is most

people don't know how to actually save

and it's something struggled with too

when I first got into personal finance

like I didn't grow with money and I

literally had zero Financial knowledge

but what really changed my financial

trajectory was joining this thing called

a savings challenge where I was held

accountable and had an actual savings

road map to follow which is why I wanted

to give back and host the largest free

5-day savings challenge on October 1st

it's completely free to join with the

link below we had thousands of people in

our last savings challenge and everyone

loved it so much so we're just going to

do it again join the $11,000 savings

challenge with the link below anyone can

join but space is limited so if you

click on the link and it says it's no

longer available then unfortunately we

already reach capacity next spending

without intention and this is something

that I've done more often than I'd like

to admit stores like Target and Walmart

are designed in a way to tempt you to

spend more they make the size of their

carts bigger to make you put more things

in they make their store smell like

freshly baked bread to make you hungrier

or with Costco they know you want the $5

rotisserie chicken so they're going to

put that chicken all the way in the back

so you have to go through all the aisles

all the food samples and deals in order

to get it by the time you get the

chicken you probably picked up some

turkey bacon some mac and cheese and

toilet paper turning your $5 chicken run

into

$764 nowadays before I go into any store

I get very intentional with it I'll just

write down a list of things to buy in my

notes app and I'll stick to that list so

I already committed to my spending

before any external factors can tempt me

number four is design your glasses and

sunglasses in the 1950s rayb bands cost

less than $15 a pair but now some of

their glasses cost more than an Apple

Watch and to thank for all this we have

lexotica lexotica is a company that

controls up to 80% of all major glasses

brands in the world from luxury designer

Brands like these to the $15 pair UCI

Target and since they control so much of

the market they set the prices but

what's really interesting and not many

people know is that over 70% of their

products regardless of the brands are

made in the same exemp exact Factory

using the same materials meaning the

quality is the same and you're just

paying for the logo at the end of the

day glasses are just a piece of plastic

some metal and glass next not following

the love it or leave it strategy this is

something I've been religiously doing

for about a decade now since I didn't

have a lot growing up when I got my

first wheel job I went shopping

literally every other weekend because I

finally could and not surprisingly I

always saw things that I liked so I

bought them H&M shirts Forever 21

sweaters Dollar Tree pants

the problem was I ended up with a lot of

things that I only wore once and then

just got tossed in my closet but now

with the love it or leave it strategy I

now only buy things that I love not just

like which forces me to be more picky

when I go shopping and sure I might

spend more money on each thing but the

higher price tag balances out because I

rarely find stuff that I love forcing

myself to have this higher threshold

before I pull the trigger makes me focus

more on quality than quantity plus I

also save more time because I have fewer

things to choose from and I wear each

item a lot more next medicine and this

is something that I learned only

recently and it's already saved me

thousands of dollars so every spring I

get really really bad allergies just

imagine like a bright red clown nose but

those are my eyeballs instead and the

only thing that gave me some sort of

relief was claron D which cost like 20

to 30 bucks for a 10day supply but I

recently learned from my doctor friend

that I could pay up to 85% less money

for my medicine by buying the generic

version of it it according to the FDA

generic drugs are legally required to

have the same quality and performance

standards as their brand name

counterparts this includes having the

same active ingredients and strength and

I think the only reason we think branded

medicine is better is because they have

the money to invest Millions into

advertising and marketing whereas

generic drugs don't have that kind of

advertising budget which is why you

never hear about them and because they

spend less on marketing they can pass

their savings on to you in the form of

lower prices number seven if you've ever

traveled you notice that the price of

your flight or hotel could be wildly

different at different times of the year

and that's because of dynamic pricing

which apparently fast food chains are

using now but one trick I've been using

that I discovered by accident to get

cheaper prices even during peak season

is this so a few years back I was

looking for a flight from Mexico back to

the US and as I was looking through the

prices it was pretty expensive it was

about $850 for ticket so I decided to

try something I used the VPN that hides

my location and I set my current

location as Mexico and guess what

happened the price for the same ticket

dropped by $300 down to

$550 next and speaking of light

something that has saved me hundreds of

dollars and countless hours while

traveling is using an eim an eim is

basically a digital SIM card in your

phone that lets you connect to the

internet the second you land in another

country so you don't have to worry about

outrageous carrier charges roaming fees

or finding a local SIM card which is a

waste of time and money I've been using

AO for my eims for years now and what's

really funny is they emailed me about

sponsoring this video while I was in

Ecuador using AO eim to check my email

so obviously I said yes like when I

landed in Ecuador I knew my carrier was

going to charge me an arm and a leg in

roaming fees so I was like nah I got on

AOW bought my eim activated in a few

minutes and boom I kept my arm and leg I

called ride service apps from the

airport to avoid getting ripped off I

found the best restaurants and I

continued texting my friends and the

best part I kept my same phone number AO

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easy to sign up and save both time and

money while traveling check out AO with

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again to AO for sponsoring this video

number nine late fees if you're not

careful you can get charged up to $41

for missing a single credit card payment

in 2019 alone credit card companies

rigged in $14 billion in late fees but

there is a way to not pay them at all as

someone who's worked in finance I can

tell you that if you don't get late fees

often or you've been a longtime customer

with said company there's a really high

chance that they'll wave your late fees

if you just ask the company doesn't want

to risk having an unsatisfied customer

and potentially losing you over a few

dollars because it costs a lot more

money to acquire a new customer than

just a retained one so just call be

polite and ask if they say no thank them

and hang up and call again sometimes it

just takes a few tries with different

customer service reps to get it waved

next not knowing how to negotiate for

big purchases like I bought my car Ivy

at the lowest reported Price ever based

on Edmund's sales data and it was all

because I knew how to negotiate most

people think negotiation is about

getting the price down but that makes

the negotiation turn into a

confrontation and that's going to get

you nowhere fast in the book getting to

yes author Roger Fischer says you should

think of negotiations like creating a

win-win solution that benefits both

sides in simple terms the best way to

negotiate is to do three things one

separate the people from the problem two

focus on the interest rather than

positions and three invent options for

Mutual gain for instance this is how I

got my car for so cheap and you can do

this literally with any big purchase so

a week before I stepped into the

dealership I would analyze the car's

market value sales Trends and pricing

sellers are way more inclined to

negotiate when your points are based on

facts and data rather than emotion then

I C the local dealerships in my area and

asked if they can match the lowest sales

price that I found online once someone

agreed I called another dealership to

see if someone could beat that price

then and only then did I walk into their

dealership and this is where many people

actually make the mistakes once you have

your price and the seller isn't willing

to go any lower than that price start

thinking outside the box ask them what

other benefits can they offer like

better financing terms longer warranties

or free maintenance service for a few

years all of this can be just as

valuable as reducing the actual sticker

price and it could be a lot easier for

sellers to throw in because sometimes

prices are fixed by management or they

need to hit a sales number next buying

things on sale in the book predictably

irrational author danelli explains how

people often make a rational decisions

when they see a discount sign because of

the anchoring effect in simple terms

when you see something on sale you

fixate on the original price which makes

the discounted price a lot more

attractive for instance when you see a

$1,000 mountain bike on sale for 30% off

your mind immediately thinks that's an

amazing deal I'm saving $300 based on

the original $11,000 price but the

reality is an item that costs $11,000

and is on sale for $700 isn't saving you

$300 it's still costing you

$700 and companies know all about the

anchoring effect which is why Amazon has

been found to fake discounts in sales to

get you to spend like even though an

item might say it's been marked down 50%

from $50 to $25 the item might only have

cost $30 a week ago they artificially

inflate the original price so it could

appear more discounted making you feel

like you're getting a good deal number

12 shopping online without getting cash

back nowadays whenever I buy stuff

online I always make sure I'm getting

the best deal by using this plug-in

called rutin it's 100% free to use and

it allows you to earn cash back from a

bunch of different stores like Nike

Apple Adidas Macy's and a ton more like

last year I bought the Apple Air tag for

.11 directly from apple.com and it was

really straightforward to do so I

basically logged into rutin shopping

portal I clicked on the Apple Store and

I added the air tags and keychain to my

cart the total was

$41.95 but rutin had a $40 cashback

promotion and I used my Apple card to

buy it which gave me another 2% cash

back so in the end thanks to math I only

paid a do 11 for a brand new pair of Air

tags nowadays I don't buy anything

without checking rutin first you can get

the plugin with the link below or go to

Vincent chan. co/ rutin there's

currently a promotion where you can get

a $30 signup bonus I'm not exactly sure

how long this is going to last so check

it out sooner than later next buying

specific types of souvenirs and this is

something we're all guilty of while on

vacation you're having a great time

great food and then it suddenly hits you

that you need to buy a souvenir to

remember your experience and that's how

you end up with a giant replica of King

Arthur sword that you'll never use Touch

or see again because it's tucked away in

some closet so what I do is instead of

getting some really big random thing

that I'll never use again I'll buy

really nice magnets with the name of the

city or the country it's small enough

where I can tuck it away in my carry-on

it's cheap enough that I can get a

couple for myself friends and family and

they look pretty cool in the fridge and

they're also great conversation starters

when people come over next lottery

tickets so I realized a lot of people

have trouble comprehending just how tiny

their odds are of winning the Lottery

the chance of winning the Powerball

jackpot is 1 in 292 million the chance

of winning the mega million's top prize

is 1 in 32 million to put that into

perspective you have a 1 in 15,300

chance of being struck by lightning you

literally have a better chance of

getting hit by lightning than winning

the lottery and I don't see y'all out

there wearing anti-lightning suits next

paying ATM fees a study found that ATM

fees can cost up to $5 nowadays and that

fee can quickly add up but there is a

way to avoid paying these fees even when

the ATM is outside your network for me

the last draw was when I spent more than

$50 US just in Guatemala alone to

withdraw cash immediately after that I

opened up a Charles Schwab checking

account and I now use my Charles Schwab

debit card to withdraw cash from ATMs

the great thing is Charles Schwab would

actually reimburse you for any ATM fees

you get charge with anywhere in the

world if you can't get a Schwab account

your best bet is to look for a bank with

a really large ATM Network so you didn't

get charged a fee number 15.5 and that's

paying for Wi-Fi in hotels I don't know

when this started happening but many

hotels nowadays like the Marriott ihd

Hilton hayatt they'll charge you a fee

to use Wi-Fi in your own hotel room like

what and it's not cheap you can expect

to pay on average $22 for something I

think should already come with the price

of the hotel room so if you don't want

to pay this junk fee here's how you can

get the hotel Wi-Fi for free many of

these hotels have a Rewards program

Marriot has B boy h has Hilton Honors

and basically if you sign up for the

reward programs which is free then you

can use their Wi-Fi for free which leads

me to something you've got to start

accepting it's that even if you're

trying your hardest to save money

sometimes you still might not feel like

you're doing enough and that might be

because you don't know these seven

strategies that let me save 73% of my

income click here for these seven

strategies you need to start doing now