Inside Out Money

There can be a fine line between frugal and cheap, but taking the time to define your own spending philosophy can help to sharpen that line. We tackle our own frugal versus cheap identity crises and define what it truly means to spend intentionally. We share specific examples of what we have trouble spending on and explore how fear and scarcity can turn a healthy money habit into pathological cheapness. By defining your own spending rules and evaluating your daily habits, you can confidently spend on what brings you joy while gracefully letting go of the rest.
Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/173-frugal-vs-cheap-how-to-build-your-personal-spending-philosophy/

I can’t believe what we spent during the first half of 2026!? Our expenses have definitely added up and even surprised us, which is why we think tracking them is so important. We lay out all of our mid-year expenses and discuss unexpected life events, house repairs, and intentional shifts in daily habits that affect everyone's expenses. This is a fully transparent look at our real-life expenses and how we feel about them. 
Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/172-mid-year-2026-expense-review-broken-bones-new-roofs-and-130-airport-meals/

We often focus on the tactical side of wealth, but true financial independence requires mastering your mindset and building an unbreakable relationship with yourself. I recently made a massive investment in myself—dropping $9,000 for three months of coaching with mindset and lifestyle coach Cru Mahoney—and today I am pulling back the curtain to share exactly what I learned with you for free. We unpack why I felt stuck despite early retirement, the danger of outsourcing authority over your own life, and the power of radical self-respect. By exploring Cru’s extreme frugality, 5:00 a.m. wake-ups, and 2,900-day running streak, we uncover how tackling hard things and keeping daily promises to yourself creates a compounding effect that transforms both your mental and financial well-being.
Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/171-i-spent-9000-on-a-mindset-coach-so-you-dont-have-to-how-to-build-an-unbreakable-relationship-with-yourself/

Welcome to another Waffle Week, where we ditch the agenda and just see where the financial conversation takes us. We cover the entire spending spectrum, from spending to saving and from pedicures to standing desks. Grab your favorite protein waffle and join us as we go on an n agenda-less adventure. 
Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/170-waffle-week-on-walking-pads-dupes-telehealth-whole-foods-hsas-sleepy-ties-and-more/

Every day we make decisions that seem isolated, but they actually send massive ripples through our long-term financial lives and overall well-being. From the friends we hang out with and the city we live in, to the partner we choose to navigate money with, your environment drastically shapes your wealth. Recognizing that you have agency over these decisions empowers you to stop feeling stuck, ditch the scarcity mindset, and start intentionally steering your life in the direction you actually want to go.
Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/169-the-choices-we-make-and-the-ripple-effects-they-have-compounding-your-life-and-finances/