Are small daily changes really worth the trouble?

I recently listened to episode 91 of Paula Pant's "Afford Anything" podcast in which she discusses growing the gap between earnings and spending.  She advocates focusing on what she identifies as the 4 biggest expenses:  housing, transportation, food, and taxes.  (For our family, I would add childcare to that list -- it is one of … Continue reading Are small daily changes really worth the trouble?