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Tag: lifestyle creep

  • Saving money

How to Go Broke in Less Than A Year

  • March 13, 2025
  • Tagged as: 401k, car loan, credit cards, lifestyle creep, should i buy a house or just keep renting, stealth wealth, teaching kids about money

So you want to learn how to go broke in a short period of time? We got your back! Here are the things you should to to wreck your finances.

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Personal Finance

How to Become a Millionaire – 5 Practical Steps

  • March 6, 2025
  • Tagged as: 401k, budgeting, earning more, Financial Independence, financial optimism, financial stress, index funds, lifestyle creep, Millionaire Real Estate Investor, money goals, money mindset, roth ira, saving for retirement
How to become a millionaire header

Here are the practical steps, habits to form, and mindset you’ll need to adopt for how to become a millionaire.

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Avatar photo Joel
  • Personal Finance

Stealth Wealth is Real: 10 Ways the Rich Stay Invisible

  • January 27, 2025
  • Tagged as: bad debt, Financial Independence, frugal living, index funds, lifestyle creep, millionaire, retirement investing, saving money, stealth wealth
stealth Wealth header

You meet two brothers out at the bar, Tim and Greg. Tim drives a brand-new Mercedes, shows off his Rolex watch, and buys a round of top-shelf tequila for everyone. The other brother, Greg, drove…

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Personal Finance
  • Saving money

Frugal vs Cheap – Differences and Examples

  • October 10, 2024
  • Tagged as: cheapness, debt management, frugal, frugal living, frugal vs cheap, investing, lifestyle creep, mindful spending, needs vs. wants, personal finance, saving money
Frugal vs. cheap street header

Did you know that 92% of people think that “frugality” is an attractive quality!? And do you know how many people think that being “cheap” is a cool thing?… ZERO. The words frugal and cheap…

2 Replies
Avatar photo Jason Brown
  • Ask Matt & Joel

Ask Matt & Joel: For someone retiring significantly early (think 40s), what are some of the hidden costs or catches?

  • September 29, 2024
  • Tagged as: inflation, lifestyle creep, retire early, retirement investing, stock market, taxes

This question was posted anonymously in the HTM Facebook group… “For someone retiring significantly early (think 40s), what are some of the hidden costs or catches that can be a surprise and lead back to…

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Avatar photo Joel
  • Budgeting
  • Earning More

How to Manage a Financial Windfall

  • September 25, 2024
  • Tagged as: Financial Independence, inflation, lifestyle creep, lottery winners, mindful spending, personal finance

Financial windfalls come in many shapes and sizes. Sometimes it’s a bigger than expected bonus check from work. Other times it’s receiving a major inheritance from a mysterious relative you barely knew. If you’re lucky…

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Budgeting

Needs vs. Wants: Budgeting For Both

  • September 1, 2024
  • Tagged as: emergency fund, frugal vs cheap, lifestyle creep, mindful spending, needs vs. wants, retirement investing

Regarding your budget, one of the most important steps you should take is categorizing your spending items by needs vs. wants.

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Avatar photo Jason Brown
  • Debt
  • Saving money

15 Habits of Debt-Free People

  • March 9, 2024
  • Tagged as: budgeting, credit cards, debt management, frugal living, lifestyle creep, saving money, tracking expenses

Most people don’t plan on falling into debt. But somehow, 3 in 5 Americans carry a revolving credit card balance that averages $5,875. Even worse, 23% of folks report that they’re slipping deeper into the…

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Saving money

How to Save Money Buying an Engagement Ring

  • January 27, 2024
  • Tagged as: asking for discounts, budgeting, coupons, family finance, lifestyle creep, negotiation, wedding

These days the average cost of an engagement ring is around $5,500. No wonder why that Gollum character was so infatuated with “his precious” (side note: I have never seen Lord of the Rings). Some…

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Saving money

16 Ways to Save Money on Clothes

  • September 9, 2023
  • Tagged as: declutter, DIY, Frugal hacks, inflation, laundry, Life Hacking, lifestyle creep, mindful spending, teaching kids

Here are some frugal tips to save money on clothes, while still dressing stylish and looking great every day!

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
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