Morgan Housel

And it's very much like in my head, I'm like, okay, the book money goes here.

The speaking money goes here.

I spend this and that.

I have a lot of like mental accounting that is not really rational, but it's just how I tend to think about it.

And so...

I've saved all my book money.

I haven't spent a single penny of the money that I made from books.

And again, I don't view that as delayed gratification.

It's made me financially independent and in a way that I get value from today.

And so that's really helpful.

My wife and I – this would have been true 10 years ago and it's true today that my wife and I buy anything we want.

But particularly 10 years ago, we didn't want that much.

We've loosened up a little bit now that we have kids and a little more experience with life.

But there's really no budget.

There's no, but I've been like that since I was a teenager.

I never found it hard to save money.

It was always just seemed like the obvious thing to do, I guess.

probably our house.

We have a cool house we bought a year ago.

And what's great is that I work from home.