cover of episode Frugal Face Off with Iced Coffee Hour

Frugal Face Off with Iced Coffee Hour

2024/10/18
logo of podcast George Kamel

George Kamel

Chapters

The discussion revolves around the appropriateness of using coupons and gift cards on dates, with considerations on how to present them without seeming cheap.
  • Using a coupon on a first date can be acceptable if presented playfully and light-heartedly.
  • Gift cards can be used on dates if they are presented seamlessly.
  • The attitude towards splitting the bill on dates can reveal a lot about a person's values.

Shownotes Transcript

What's up, guys? George Camel here, and I'm joined today by two of my very good friends, Jack Selby and Graham Stephan, two of the biggest names, I might add, in the odd little personal finance corner of YouTube. Would you agree? I would say Graham, yes. We're already disagreeing. I like this so far. They are the hosts of Ice Coffee Hour, one of my favorite shows, and their YouTube channel has over a million subscribers, almost a billion views. Congrats on all the success. Have we hit a billion yet? That's what the team said. Ice Coffee Hour is very close. Because the Clips channel as well.

I mean, if you add them together. If you add it all together, plus my views. When you came on the show, that gave us a big boost. Thank you. So, yeah. It's been fun. I've enjoyed it. We're going to do that again today. And some of the most viewed videos on this channel are about millionaires and being frugal. And here we are, three frugal millionaires sitting together in the same room. What are the odds? So today we're going to have a...

A little frugal off to put you to the test and see who the most frugal is. And we don't have a segment title for this yet. I thought you could help. So we're going to do a vote. I'm going to list a bunch. Tell me your favorites. All right. Penny Pinch Showdown. Three out of ten. Frugal Feud. Six out of ten. That's okay. Cheap Cheeks. Yes. That's it. That's it for me. Bargain Brawl. I like that. 50 Throwdown. Okay. Okay.

Tightwad, Tussle. Ooh. I would say that's a nine for me. We got a nine. All right. Cash Clash, Saver Showoff, and Deal Duel. No.

Now, what was the one we liked? Yeah, the one that... Tightwad Tussle. Tightwad Tussle. That's what we're doing today. All right, it's going to be your faces, and it's going to say Tightwad Tussle. I like it. I'm fine with it. All right, let's get into it. I went to the Frugal subreddit, which is one of the darkest, most wonderful corners of the internet. And so here's one of the questions posed. Is it okay to use a coupon on a first date? Yeah, why not? Have you done it? You haven't been on many first dates, I guess.

That's not a dig because you're now happily married. Yeah, yeah. But you've been with Macy for a long time, right? Yeah, over five years. Wow. Gosh, yeah. Have I used a coupon on a date? Probably. You're not above it.

but you don't i would if i had something i would okay i don't think jack's the kind of coupe he's not a couponer i i would probably throw it out there before the date like i wouldn't just surprise her with a coupon you know so you're going to text her beforehand and be like hey i got a bogo yeah yeah red robin yeah what do you think and i would gauge it off of that because she could also think i'm joking you know oh and if she's kind of playful and light-hearted with it then sure why not break out the coupon like hey that's a green flag what about a gift card

Does that still feel like if I had a gift card? You weren't worth using my own personal money, but I had a gift card. You have a gift card for it. I think it's okay. It

It really just depends on the effort you put in. And if you make it seem like a bigger deal than it should be. Like if the bill comes, you're like, wait a second, I got a coupon. Like I'll be right back. And you go to the car. That's embarrassing. No, it's somewhere. But if you sneak it to the waiter, like as a tip. Yeah. But if you pull it out, like you have a credit card. Hey, thank you, AC. And then you pull out the coupon like with it.

If it's seamless, if it makes it seem like you didn't put too much effort into it. So if you put some riz into it, then it's cool. Then it's okay. All right. But as long as you're not frantically searching, like, where did I put it? Here's my deal. If you're paying, it's no business how it gets paid and how much it was. Is that fair to say? That's just tacky. This is a great question. We want to ask you to turn the tables really quickly. We had a bit of a bet going on over here of what you would say. Who should pay on the first date? Man. Who should pay on the second date? I'm still going man. Who should pay on the third date?

I think man, unless it was disgust. Oh my, that is exactly what I said. That is exactly what I said. Jack said man and then split for the second or third. No, I said for the first two, he's going to probably say man and then anything after that, that probably warrants a discussion. That's what I said. I think if it's getting more serious, depending on how long it's been, I'm wearing a talk about like, hey, we're going out, like you cool, like if we just split tonight. If she's like, oh yeah, absolutely. If she throws up a big...

fuss about it, then I'm like, whoa, this is a weird red flag. Not because I expect her to pay or expect her to chip in, but just because the attitude towards it says a lot. Well, what you really have to do is you get the first one and then you say, how about this? Don't worry, this is on me. You get the next one. But the next one, you go like Mastro's. Wow. Lobster. That's the thing is as the dates progress, they get nicer. That's why you get the first one. Unless you start really nice and then you really dial it back.

Which is fair. How much should a first date cost? That was a question I had for you guys. I'm going to go, what I would not spend more than on a first date is, I'm going to say 70 bucks. That's a lot. I mean, that's, you're talking an entree, an entree, a drink, a drink. It's already, you're already past 70. I think it just depends on where you go. I think plenty of happy hours out there.

that you could get like, you know, 20 bucks a person. I don't do like full out dinner on first date. Yeah, no, no, no. I would do a drink. I would say coffee. You want to get a cocktail, whatever. Yes. That's my stance, which is why I'd keep it under 70. Beyond that, second date, I'm willing to go over 100. Wow.

That's a lot, Jack. I mean, I would, right? But it wouldn't be like my first choice. $100 is kind of expensive. But if I see Jack roll up with the rollie... I was gifted this. Exactly. It's free. But she doesn't know that. She thinks this guy's made of money. I'm going to get the... I'm getting the tomahawk ribeye. They don't think of money. They just think...

It's a watch, you know? No, I think they see the Rolex. Really? And they see the TV. If they see this, they go, this guy doesn't have money. You see an Apple Watch, you're like, all right, it's a Series 3. You know what I mean? But you wouldn't know that. Joke's on you. Okay. All right, moving on. Another frugal Reddit user said this. I rolled the dice and ate some meat-free, yet cheesy, 10-day-old soup recently. I was gassy, but okay. So here's the question.

How many days are you willing to eat leftovers in the fridge? Like, what day is it like this is getting tossed? What's your limit emotionally? This was something for me recently. We looked up how long salmon could be in the freezer for. Some say three months. Some say a year. Is this like raw salmon? Cooked salmon? It's raw salmon. Just in the freezer, though. Like, you know, properly packaged. Like, still in the package and everything. Yeah, I'd imagine it goes longer than three months.

Apparently, you could eat it almost indefinitely, but the quality of the fish goes down. That makes sense. Like the taste, perfectly fine to eat. But it's safe. Perfectly fine to eat, so don't waste it. All right. Yeah. So what's your deal for leftovers? You cook a meal, it goes in the fridge. Yeah, so if I don't see mold, what I'll do is just take a little bit, wait an hour.

And then if I'm okay, then I know it's safe. So bold strategy, Cotton. Let's see if it pays off for him. How about you? I would just look it up. So like if it's spaghetti, I would just say, how long is spaghetti good in the fridge? It says two to three days. And then I try to remember when I cooked it and then kind of just, you know, take the chances. Very resourceful. You should have thought of that.

Just Google it, bro. I do, but they're wrong sometimes. That is true. He has a point. They'll say it's like two to three days, but it's like two weeks later. What does the internet know? Have you seen the internet? Are you just going to trust them? All I know is I got really, really, really bad food poisoning one time from ground turkey. That's all it takes. And then that kind of was traumatic enough for me to realize, okay, I should take this a little bit more seriously. Turkey trauma. That's no joke. I do trust a lot of the anecdotal experiences on Reddit. Like the one dude who's like, yo,

I had this after a month, totally fine. I'm like, if this guy's fine, I'm probably fine too. Perfect. Some of these guys are tanks though. They can handle it. Frank the tank. We're not made for that kind of lifestyle. All right. Someone else shared this travel hack. Stay home.

Pretty good hack. I love that. But you guys are known to be world travelers. So how do you save money when you travel? And I'll start, kick this off by saying, last time you were here, you said, hey, can we crash at your place, save some money in a hotel, which I would have obliged if my mother-in-law was not staying with us. So that's one hack, is try to avoid paying for hotels. We split Airbnbs. That's your move when you travel? Yeah, because it really depends on where we're going. But a lot of times booking...

Two side-by-side rooms at a hotel is more expensive than an Airbnb. Really? Yeah. I figure the cleaning fee alone is going to crush you. No, it depends on how long you're staying there. So that can ramp the prices up. If it's a one or two night, hotel might be more affordable. Yeah. It really just depends. You just have to look and scrape everything that you can find and then pick a place that's the cheapest. And we've done the rooms too where it's like one hotel room, two beds. You don't share a bed to save money? No.

He offered one time. No, don't act like it's an absolutely not because you offered one time. When? When we were in that one hotel room and Alex offered to share with me too. And I said no to both. And I slept on that. I definitely never offered. It was like a bench. I slept on a bench. It's a weird thing to make up in his defense.

Alex. Exactly. Alex offered. You offered. And you know what he said? He said, you know what we can do if this makes you uncomfortable? We can build a pillow wall between us. That's what he says. I did say that, though, if we had to. So he did offer it. What do you mean if we had to? That's clearly an offer. We were putting three people in a hotel room with two beds, and they would not allow a cot to be put in there because it was a fire hazard, apparently. It blocked like a walkway or something. Okay. Okay.

Who's Littlespoon? Graham would definitely be Littlespoon. You always have to ask, scientifically. Don't ask questions you don't want the answer to, buddy. One way you save on travel is you don't go out and buy expensive coffee. You're drinking the free Ramsey coffee. And I noticed you had some coffee from a local coffee shop here. And I asked you, is that from this morning? You said, no, it's from yesterday. And I said, what is in it? Please tell me you're not drinking day-old coffee. And what did you say you did? I made coffee at the Airbnb and I put it in this. I keep the cup so I could take it with me.

And this coffee, by the way, what was the place called? Just Love. Just Love. Free refills of coffee. So I had one. I got a free refill. And did you rinse it before adding your own coffee? He definitely didn't rinse it, no. No. No. Why? It's got old coffee in there. I know. He's... I put coffee in the fridge all the time for days. Are you a black coffee guy? Yeah. Oh, yeah. Let me just say, this is what happened to me this morning. I woke up. Graham said, Jack, I made some coffee. Tastes like sludge. Do you want some?

That's what he said. Not a great selling point. Verbatim, that's what he said. How did you make said coffee? It was just like a Folgers, one of those. What? It wasn't good. I make it very strong. They had a coffee maker. I put the Folgers in the top. As soon as I see Folgers, I go, you know, beat it. It was not good. But he said that he might want to just down it.

I don't know. I said, no, they have this at Ramsey Headquarters. It's delicious. I'm just going to get this instead. This guy gets it. He did say that. All right. Well, you're winning so far in the frugal off. You're willing to take more risks, more chances. Coffee is coffee. Chances with his help. Okay. Here's another comment. I mix Dawn dish liquid with some water and a spray bottle to clean my dishes. Just spray what I need. It really cuts down on the amount of Dawn that I use slash waste. So do you water down the soap? And if so, who hurts you?

I water down my shampoo occasionally, but I don't water down the soap. I do that too. Is it too viscous? Do you find that the shampoo, it's too thick? No, I just have to make sure to get... That's a great word. Thank you. Yeah, that is a great word. I was waiting to use that, waiting for the perfect moment. It's the first time I've heard that word. Ever? Is it actually? You just hung out with Jordan Peterson. He didn't drop a viscous? Viscous? Do it, JP. Okay, buddy.

You'd be willing to water down shampoo, not liquid soap? Just to make sure I get it all, you know? It's not even like to water it down. It's just like at the end, you know, you kind of just shake it up and then do what you got to do. That's fair. All right. So that's actually a great life hack that you could do is Dawn dish soap. Mix it with water and you could clean windows with it. Oh, I haven't tried that. Way cheaper than the window cleaner. Like, you know, the Windex. All right. Not enough soap, you could die. Too much, you're going to be sitting there trying to get all the suds off.

That's it. That's where I'm going with it. Another frugal Redditor said, learn to forage. Another underused word. When was the last time you pulled over side of the road, just snag some berries, some edible wildflowers? I don't think I've ever done that.

Have you ever foraged? I have foraged. Apple picking? You guys never went apple picking? Never did. I feel bad because I don't want to steal someone's apples. But if it's like, honestly, this is bad, but back in cross country, I used to run to these strawberry fields and I would forage the strawberries. Wow. Yeah. You filthy criminal. Yeah, I'm not a big forager. Not a big camping guy, which is a frugal vacation, but not a vacation. That's like a trip to me. Like, I might as well be on Fear Factor. Are you guys not campers? No. No.

I would do it if it was a necessity. You would do it if it was a Mr. Beast video and there was a million bucks on the line. Yeah, I would do that. There we go. You know what I think is a good exercise real quick not to hijack this whole thing? Hey, you take over. Why don't you just walk us through your outfit and we'll see who's the most frugal. How much does it cost? Man, this was used from Poshmark. I believe it was new with tags, but I bought it from the Poshmark app. Someone was selling it.

So there you go. How much was that? This is a Bonobos. I don't know, maybe 50 bucks. 50? Okay. Okay. T-shirt Bonobos. Bonobos is expensive. Use Ramsey money to purchase. Oh, okay. You know, so that's nice. So free? Yeah. Okay. And then what about? Madewell jeans. Got them on sale. Again, I believe Ramsey money for wardrobe. And then the same with the shoes, which I made myself on the Nike website.

which I believe are a hundred bucks. So that's it. So you're 150 for your whole outfit. Yeah. Uh, no hundred. These are probably, I don't know what made well charges these days.

Probably a pretty penny, a hundred bucks. See, that's when you know you've made it, is when you don't know the price of your clothes. Easily could be almost 200 bucks for this whole outfit. Now, tell us about your Rolexes, gentlemen. Okay, you're not going to believe this. Mr. Frugal. You're not going to believe this. The Rolex was a gift by Noah Kagan. The shirt was a gift from Jason Oppenheim. Free. The pants were a gift from Brett Oppenheim. Oh my gosh. Free. Bessie was a sponsor of our channel.

Free. So you lifehacked him. All I paid for was these socks from Amazon that were probably $10. Okay, he's winning so far in the frugal off. Oh, even the belt is a gift from Brett Oppenheim. All right. So $10. I got to become friends with these Oppenheims. They're very generous. We would wear the same clothes. I didn't have the opportunity to be on Selling Sunset. It was not in the cards for me. Next time you're in Vegas, I have a ton of clothes. Can we hang out with them? Yes.

Yeah. That was a delay. All right. How about you? Vessi's on the feet. So completely free. Shout out Vessi. Okay. Got some pants. Costco. Honestly, guys. You're a Costco guy. I am a Costco guy. Yeah. I am a huge Costco guy. If you guys want to get some good athleisure, Costco. These were like 20 bucks. They're great. That's good. This is a gift from my mom.

So you have the Oppenheim brothers. He has mom.

Yeah, I'm mom. That's really sweet. I'm still a mommy's boy and I really don't care who knows it. All right. Another comment. I don't flush my loo every time I pee, especially not during the night. If it's yellow, let it mellow with the lid down, of course. What's your personal policy on this? So this is actually a very personal story that I regret to share, but I feel like I have to. It sounds like Graham's going to share it if you don't. I want you. He doesn't like when I share this story, actually. Oh, boy. I'm choking up.

Okay, now the suspense is really starting to get thick. I lived with him in Santa Monica in the guest unit, and he would come down and we would do title and thumbnail, and we'd post the videos together, respond to comments, and during one of those sessions, I went in and I used the toilet, I peed, as one does. I left the bathroom and then Graham said, "Hey look man, I know this is kind of like, it's kind of weird, but like if you go in there and you pee, is there any chance you could just not flush it?" Yes!

He was mad that you flushed. He asked me to not flush my pee. This man knows what a gallon of water costs. I looked it up and now we do. It was a gallon of flush. And this is California. Water is a precious resource. We looked it up and it was just under a penny of flush. And so I was like, okay, that's super weird. A penny for my flush, my good man? So I decided not to flush. A hundred flushes a day. It's a dollar a day. Have a little penny jar there and you drop a penny every time you...

The problem is, I'm not even kidding. This actually happened. I was kidding. He wasn't joking. He was not joking. You weren't. And then guess what happened? I stopped flushing when I peed. But the problem is, it would like be three, four urinations in the toilet. This is really getting gross. But like three, four urinations. What happens when you pee in the toilet three, four times? You tell me, buddy. Okay.

I don't live that kind of lifestyle. Well, I'll tell you. I'll tell you because I've done it. It doesn't smell good. That makes sense. It's the odor. I was joking. He was joking, man. I was having fun. I was joking. You should be paying when you flush. Jack took it seriously. That's another man's water. Graham, you said this in the most like just straight faced thing. Were you renting from him or living for free? No, I was living for free. Okay. I think that's fair then. You should be paying for your flushes if you're living for free.

How is this guy supposed to recoup? That's okay. You know what? You're right. He's paying the utility bills. You're right. And you're just freeloading flushes over here. It's fine. I said that also about the shower.

He told me to shower? Faster showers. Faster showers. Okay. I said he was in the shower for like too long, like 15 minutes. I'm like, keep it under five. Do you collect the bath water and reuse it? Is that part of your strategy too? I wish I could and just water the plants with it. This goes along with it. Another Redditor said, I squeeze my toothpaste extra hard. This feels like table stakes for being frugal. This says a lot about a person. Do you squeeze from the end or you squeeze from the middle like a psychopath?

You got to roll it up. Yeah, so... You're a roller. I roll it up, you get to that last little bit, and you have to press upwards with your thumb. Honestly, it's the only workout I do. Yeah, but I want to say, it's not done yet.

Is you have to cut the end off the toothpaste. If you're cutting your toothpaste. Open it up and then you take your toothbrush in there, scrape it from the inside. Do you actually do that? I do. What kind of toothpaste do you use? Crest? No, he uses Sensodyne. A sensible man uses Sensodyne. You know what he even does? Is he purposely forgets his toothpaste so he can use mine. That's a life hack right there. There's no way you're doing it on accident. There's no way you're doing it on accident.

No, it's been too many times to do it on accident. The travel size dried out. Something happened with it. I don't know. All right. We got a lightning round here. You ready to go? Yeah. Because I feel like so far, pretty neck and neck. This guy doesn't even flush. Are you picking up the to-go order or are you going to pay extra for delivery?

That's a good one. I feel like you're a delivery man. You're a man of convenience. I would probably take the delivery over to go. You're willing to pay the extra $5, $10, $15? Well, here's the thing. I go to Chipotle every day. Isn't that a bit excessive? So I guess that makes me not very frugal. That in and of itself. But I did do some calculations, and it is pretty close to the same if I do Chipotle versus groceries.

And I do like to pick it up every day. But it's on my way to the gym. - You adding guac? - Recently, yeah, I've decided to. - Wow. - Yeah. - Get out of here with that non-frugality. - He's more frugal than I am. - I don't even do guac. - This guy brings his own guac, I bet. - Let me just point out one last thing. When we go to hotels, one thing Graham does, and he's done this several times, I'll see him whip out his phone, open up the calculator app, and run like 20 calculations in like 90 seconds. And I know what he's doing.

And this one time, we were going to get a hotel, and I wanted separate rooms. He wanted, like, what was it? The same room? No, I think I wanted separate. You wanted separate rooms. I wanted the same room. Yeah, that's usually how it goes. And then what he was doing was calculating the cost per minute of sleep difference. After tax. After tax. That is next level. Adjusting for inflation. We write this off. Yeah, we write this off. After tax, my split, like, everything that you could ever imagine. Cost per minute of sleep. Wow.

- Wow. - Yeah. - He's lost his mind. - And it was like a $38 difference, like after tax. - Okay. - So for me, I was like, okay, 38 bucks after tax. - Is it worth it? - X amount of sleep, I would pay that. - Wow. - That's a good, that's a fair price for me to pay. - You are the Goodwill hunting of our generation.

I mean, you are a prodigy when it comes to frugality. Someone has to do it. So are you paying for delivery? No. When and where would you pay for delivery? It's rare. It's very rare. You just pick it up. It's only if I have a deadline. And it's like I...

You truly cannot leave. I gotta get something done and I can't leave and my cost is too high to be able to go. Yeah, he's winning so far. You're right. All this frugality talk got me thinking. Can you be saving more money on your cell phone plan? I think you can by switching to Tello, one of the sponsors of today's video. They've got the same high-speed nationwide coverage that you thought you could only get from the big guys at crazy low prices. I'm talking $25 a month for unlimited everything and plans as affordable as $5. There's no contracts, no sneaky fees, and you can upgrade or change plans whenever you want.

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All right, back to the convo. Researching promo codes for online purchases. How often are you just going, add to cart, I'm buying it? Yeah, I screwed up a lot on that. I will often spend way too long trying to find a coupon code. Oh, where do you look at? I'm talking like 30 minutes. Why don't you just text me? You have coupon codes? Oh, I do. I have them for days. Really? Yeah, I got hacks. Can you?

I was ordering some rather expensive pieces for the house. And by rather expensive, I mean like a few. What do you mean by piece? That feels like rich people talk. Like furniture. See, you call it. It's not piece. I was buying a chair. Yeah. I was getting some pieces for the house. It's like ornamental stuff for the house, but they were like a few hundred dollars each. And I knew I'd need multiple of them.

So there was a coupon for 20% off your first item when you sign up. So I made four different email addresses because I had already used this in the past or all of the other. So I made four different accounts, four different email addresses, purchased the same item four times with those four different accounts, but I got 20% off every single item. Would you be willing to do that? I don't think so, mister. I mean, look, if it's expensive, I would. I think I'm...

I'm reasonably frugal. I like 80-20. Would you just buy the lower-priced item versus buying a higher price but trying to get a deal? I usually like to get—if I'm going to spend some money on something, I like to get the nicer of the things, generally speaking. And I try to find it cheaper. Like, if it's something that I'm consistently buying— What's the nicest thing you personally paid for recently? You're not going to like this.

You're really not going to like this. To preface, I wasn't happy with it. If both of us are unhappy with it, you're in trouble, Mr. No, no, no. I'm just saying because, look, the American Express Platinum card, they give you a, the business one, gives you a nice little credit towards, what is it, Dell.com. And so I used that credit and spent a little extra money. And it was like 300 bucks. On what? On a speaker.

You bought a speaker from Dell? Yeah. I like that. Was it a nice speaker? It's a great speaker. Yeah, Amazon Echo Studio. Why would I be upset by that? Just because it was a use of a credit card. Why are you upset by it? I was talking about the car, Tesla. Oh. Yeah. He thinks I should have financed it because they had this promotion that they ran right afterwards. No, no, no. So you paid cash? I did, yeah. And I'm going to be upset about that? No, no, no. I don't think you'd be upset about that. Oh. He bought the Tesla Model Y at peak pricing. Oh.

Oh, poor timing. Yeah. Terrible timing. And I told him, your car's fine. Just wait. Just keep driving your car until it doesn't run anymore. You didn't say that. You did not say that. You were not telling me. How was he supposed to know the price was going to go down? Exactly. He thinks that he knows these things. He had a crystal ball? But he has no idea. I didn't. No. You know what he has? Did he want to text you personally? I didn't buy the text. I'm just saying. You know what he has is amazing hindsight. That's what he has. That's his number one skill. Your skill is...

Extraordinary. We got a few more. Are you self-parking, driving around looking for street parking, or are you paying for the garage fee, the valet fee? Never valet.

Never. Even if it's free valet, but you got a tip? Only if you have to valet. Like some places, it's like there's nowhere to park and you have to valet it. You're stuck. Okay. What's your move if you're driving around? I'll find parking. I'll find free parking usually. Unless if I'm like, if I'm, you know, doing something...

you know, not by myself and I'm like with friends, I'm like, I don't really want to subject these people to that. To you driving around for 15 minutes? I like walking. So it doesn't bother me. But you know what you do in those cases? You drop them out. I'll drop them off. Oh, that's a good move. That's a good move, yeah. And then you find your own parking and run back. I offer that to my wife because I don't want to subject her to it, but I also don't want to pay the fee. So I'll say, let me drop you. I'll go park and I will truly run back. Yeah.

I'll do that too. I'm not going to make her run, but I'm a runner. I look like a valet guy wherever I am. Yeah, I can see that. Is your wife pretty frugal? She is in certain ways, but she likes nice things. And so I don't want to subject my own frugality onto her. But I'll usually say, hey, before you make the purchase, let me know so I can help us save money. Definitely.

Does she admire that quality in you? I think she does. Is she attracted to that quality in you? I wouldn't say anything about me is attractive, but I would say she appreciates the frugal. Not in a conventional way. Because what it does, it gives me more margin for things that actually matter. You know what I mean? So if I can save, like I saved my friend Dr. John Deloney over 200 bucks on a hotel booking while we were on the Ramsey show on a break. He said, hey, I'm trying to book a hotel in Houston. Help me out. I went, don't do it this way. Here's what you're going to do. Over 200 bucks saved like that. Okay, well, what's the hack?

So we found the hotel that he wanted, did some research on hotels.com. It was going to be $560 for two rooms. I went to Priceline Deals, and then I used a browser extension called Travel Arrow, which lets me see through the Priceline Deal to let me know what hotel you're actually booking. Because the deal is, it's a lower price, but you don't really know the hotel. You know the rating, the general area, the amenities, but you don't know what hotel you're booking. So Travel Arrow reveals what hotel is behind that with their secret algorithm. So I knew we were booking the Westin Houston hotel.

And it was $343 after taxes for two rooms instead of $560-something. Asking a friend to drive you to the airport or are you going to book an Uber? I'm guessing this is your only friend, so it's a difficult thing. You're always traveling together. Jack will never pick me up from the airport. I always say just take an Uber. We'll ask friends to take us to the airport or pick us up. But, I mean, if it's like a terrible time or like usually for me super early in the morning, I'll always just pay

pay for an Uber because they never want to subject them. That's very good. Yeah. Well, this goes along with it. Asking friends to help you move or are you hiring professional movers? Professional movers. Oh, I'm moving. Yeah, I'll do it myself. Whoa, DIY. Yeah, it just doesn't bother me. Like, I'm totally happy. You don't have a lot of stuff, I feel like.

I've been acquiring. You ever try to move an aquarium by yourself? I have a few pieces. Spoken like a guy who doesn't have pieces with no aquarium. Yeah, I have unfortunately had to move myself like a couple of times. Like you get in a U-Haul? What are you doing? Me personally? Yeah. No, I move my own items, my own pieces. How? I would say like throw in the back of the car, you know? You can fit a couch in the back of your car? Well, I've never had to move that much.

There it is. This man owns nothing. What's the biggest piece of furniture you own that would be like a real hassle to move? Bed? Does the aquarium? No, the aquarium. Is that a piece of furniture? Where do you put the fish in the meantime while you're moving? Bags. They're just in bags? Bags of water. That'd freak me out, man. Yeah. You move me out of this room into a bag of water to transport me, it's over. All right. Most expensive coffee you've ever purchased for yourself from a coffee shop using your own money? My guess is probably around $9. Yeah. Yeah.

I would say it's like, you know, like a $7 cup of joe from like some boutique place in New York. And then, you know, the tip and tax and stuff. Okay. Nine bucks. Can you beat that? Probably not. It's probably about the same. Like if you spent that, I probably spent something similar. What did you get, you think? I don't get like the frou-frou drinks. I just get like a black coffee, iced, maybe like a pump of like...

something. All right. But usually you add like the tip and tax and all that stuff. And it's just it's like eight bucks. And it makes you go. I never want I'm going to make coffee from the hotel. I try. Yeah, it's that's desperation if I'm doing that. Wow. Well, thank you guys for showing America what frugal millionaires really look like because they're out here. They're buying the frou-frou drinks.

They're not doing our frugality stuff and they're wondering why they're broke, why they can't get ahead. So this is all part of it, right? It's coffee and avocado. What would the encouragement be for those to say, well, that's why would you want to live like that and be so frugal? That's no way to live. The thing is, I enjoy it. You know, at the end of the day, I like saving money. I find a lot of enjoyment from it. And for me, it's a bit of like a fun game to see. Oh, can I say like four dollars over here? Five dollars. It's you're getting little points and then those points add up.

up. So it seems silly to some people. I enjoy it.

It's one of his only hobbies. Let him have it. That's it. How about you, Jack? I would say apply like an 80-20 rule. So I guess just save money where it actually makes a difference. And then don't worry too much about the smaller things, the stuff that doesn't actually make an impact. And on top of that, what I like to do is make my decision of what I'm ordering or how my rules are going to be with regard to spending money when I'm not actually in the environment of spending money. Because then I'll be emotionally spending or something like that.

So like I tell myself I will never pay more than X amount for coffee when I am perfectly neutral under the impression of the coffee shop. And I'm all about just being intentional. Is this the best option, retailer and price? Let's put a fair amount of time to make sure that we've done the research so that we don't have regret and so that we have margin to use the extra money for the other stuff that really matters.

End scene. Thank you both for being here. Always have fun hanging out. Appreciate it. Thanks for having us on. Big thanks to Graham and Jack for coming by and for a great conversation. Let me know in the comments who else you want to see on this channel in this studio. And don't forget to like and subscribe. And if you enjoyed this video, be sure to check out this one where I started an awkward fight between these two knuckleheads. Definitely worth a click. I will link it below as well. Thanks for watching. We'll see you next time.