Hello Divers!   On today’s episode we’re continuing the discussion on spending less! We go through the major categories of expenses and break down tactical strategies you can implement to reduce costs in housing, transportation, food, and healthcare. You don’t need to be cheap. But you should be smart :)  By implementing some of these strategies you can get your savings rate up and reduce the time it takes to become financially independent.    References from today's show: BLS Reference: https://www.bls.gov/opub/reports/consumer-expenditures/2019/home.htm#:~:text=Average%20annual%20expenditures%20increased%203.0,increase%20from%202017%20to%202018.   How to connect with me: Website: www.9to5Dive.com Facebook Community: https://bit.ly/9to5DiveCommunity   Connect on Instagram: @9to5Dive Email me: [email protected]