What It Really Takes


Shallow Focus Photography of Gray Asphalt Floor

Piggy backing off my last post in regards to compounding and incrementalism, I feel it almost necessary to discuss a personal anecdote.

I often get inquiries specifically pertaining to diet and exercise due to my commitment to both but not many of those questions go deeper than what people see.

Like all else, most of what can be learned is deeply ingrained in a person’s habits, routines, thinking, discipline, purpose, and passion.

I resent questions looking for the analogous “get rich quick” answer. The prevalence of buying into them is shown in the supplement industry, those infomercials about quickly flipping homes, those gym gadgets that will help you obtain abs in 6 minutes, ad infinitum.  Although most, if not all, do not hold any weight after further research, we fall victim to trying something that has little likelihood of working for the sole purpose of buying into “easy” or “easier”.

Here’s a bit of what I commit to the lifestyle I live:

  • Wake up at 4:30am.
  • Go to the gym six days a week for an hour and a half (two body parts a day with alternating cardio and abs at the end of each session)
  • “Off Day” consists of doing calisthenics and fasted cardio
  • Eat five to six times a day
  • No carbs after 2pm
  • Snacks consist of whole meals
  • Drink nothing but water, tea, and black coffee
  • Cook Sundays and Wednesdays for all weeks meals
  • Rarely drink any alcohol (four times a year with it never exceeding 2-3 drinks)
  • Cheat meal every two weeks – cheat meal consists of anything I eat that I do not cook myself. This even pertains to eating salmon and broccoli at a restaurant. Regardless of the food presented, I assume an excess of butter, salt, and cheap oil was used in cooking the final product
  • In bed by 8:30 pm
  • Opting out of many social events
  • Go for a walk after dinner. During winter, I do calisthenics
  • It’s been seven consistent years and counting – consistent meaning always. I do not use snow storms, vacations, sicknesses, family events, work etc. get in the way. I alter my day to make sure a workout and diet fit in accordingly
  • Work out mostly alone as I have yet to find someone who aligns with my long term view and discipline in this area
  • Whole (real) foods only (refer to my post about healthy eating)

And just as when we are trying to determine what we actually do on a day to day basis when composing/revising your resume, much only coming to mind after a few hours or days, the same can be said about these bullet points.

To think and know that I am nothing and no one in the field of exercising, diet and health should put it in perspective. The commitment, sacrifice, and discipline is mandatory. Do not fool yourself into thinking otherwise.

This is why it is imperative to align your passion and purpose. 

My reasons for living this lifestyle require a lengthy post so I’ll spare you all but I hope this illuminates what it really takes to gain an edge in whatever field you wish to pursue.

Be conscious of your innate desire to judge. Look beyond the end result and focus on retracing the steps one had to take.

That is where you’ll find the true wealth of wisdom. 


Compounding & Incrementalism

It’s a fallacy of ours to believe that all success, inventions, and growth happened overnight. It was nothing more than that eureka moment.

But it was. 

It was the compounding of consistent effort. That is what makes the absolute possible.

Many preach, including myself, to rid yourself of all short term thinking for its opposite. To bypass the instant gratification for an increased prize in the future.

But we must be aware the long term is, by definition, an aggregation of short terms.

Alignment is imperative. 

Your short term must and will compound to your long term.

Michael Moubassin’s words on striking a balance:

If you focus just beyond the hood, you’re going to have a hard time anticipating what’s coming. Look too far ahead, on the other hand, and you lose perspective on the actions that you need to take now to navigate safely.

Formulate habits that will compound toward your goals.

I use the term incrementalism when focusing on effort – the belief of change in degrees; gradualism.

Although those swift success stories sell due to the allure of it requiring no effort, upon further inspection, you realize it was actually 10 years in the making.

Investigate every great invention, book, athlete, song and you’ll see the power of incrementalism. The power of compounding.

Time and effort are fundamental. As time ticks away, gradually increase your effort while facing your ultimate goal.

In spite of it not being in sight at first, the stride closer will allow your confidence to compound with the realization that as days, months and years pass, it’ll be within arms reach.

I leave you with this:

If your child asks you to pay him $.01 for doing chores, with each subsequent day of the month that amount doubling, do not take the deal. Do the chore yourself.

 Day 1: $.01
Day 2: $.02
Day 3: $.04
Day 4: $.08
Day 5: $.16
Day 6: $.32
Day 7: $.64
Day 8: $1.28
Day 9: $2.56
Day 10: $5.12
Day 11: $10.24
Day 12: $20.48
Day 13: $40.96
Day 14: $81.92
Day 15: $163.84
Day 16: $327.68
Day 17: $655.36
Day 18: $1,310.72
Day 19: $2,621.44
Day 20: $5,242.88
Day 21: $10,485.76
Day 22: $20,971.52
Day 23: $41,943.04
Day 24: $83,886.08
Day 25: $167,772.16
Day 26: $335,544.32
Day 27: $671,088.64
Day 28: $1,342,177.28
Day 29: $2,684,354.56
Day 30: $5,368,709.12

There’s your compounding lesson for you.

As far as your incrementalism lesson, it takes little Jacob/Sarah an hour to complete the chore on day 1, forty-five minutes by day 20, and thirty-five minutes by day 30.

I guess we all are willing to pay more for increased efficiency right?

Life Lessons Spilt Over From Dieting & Exercising

The reward is lurking behind the pain of overcoming your obstacles.

They consist of excuses, complaints, sacrifices, discipline and long term thinking. Believing life will pan out without overcoming obstacles is congruent to thinking 6-minute abs is the solution. Allow pain to set you on that path to greatness.

Being comfortable saying no.

You know the right and wrong thing to do. Make the right decision. It’s okay to pass on those choices that do not align with your goals.

Feeling comfortable in your own skin will spill over to all facets of life.

I’m not talking about cranking your ego to the extreme here. Instead, be confident that you will obtain the goals you set for yourself.

Being aware of what you know and what you do not.

It is imperative that we drop our ego to do this. Do not let it get in the way of your progress. The more you know, the more you should strive to challenge your knowledge and assumptions to verify their validity.

Shedding weight and/or building muscle is analogous to what you must do at different times in life.

We all need to shed some life weight such as unhealthy relationships, the long dreaded job you go to every day, those terrible habits you’ve been talking about getting rid of. Replace them with robust habits, people, and jobs that align with your better you.

Hard work does pay off.

The physical benefits are visible in dieting and exercising. I can assure you that the benefits of hard work in the professional and social setting are observable if you make an effort to look for them. While they may be more elusive, look back at the former you after making the commitment to work your ass off. If you smile when mentally looking back, you are feeling the results.

Work smart.

We have all seen that guy at the gym who is lifting more weight than his blood vessels can handle but is it doing much if his form is absolutely atrocious? Be dumb and naive. Ask questions. Ask more questions. Try new ways and adapt to what works. Be self-aware of your strengths and weaknesses. This all will be conducive to being efficient and effective. Many times, you can reduce the effort if you are equipped with a better method.

It’s all the small things done greatly day after day. 

Incrementalism. Do not fall victim to thinking overnight successes are more prevalent than they really are. Often times, that overnight success was decades in the making.

Compete against yourself. Compete against your yesterday. 

Do not compare and/or compete with others. Put the blinders on so you are unaware of what others are doing. Focus on beating who you were yesterday in all aspects of life. You know when you’re pushing yourself to the limit. Competing against others will raise internal barriers that are difficult to overcome.

You are your own worst enemy.

I am paraphrasing here but there is an old proverb that states if there is no enemy within, the enemy outside can do us no harm. To accomplish most of your goals, regardless of whether it be physical, spiritual, mental or emotional, the barriers are created by you. Stop yourself from stopping yourself.

Opportunity Cost

Most of us crossed paths with the phrase “opportunity cost” in economics. It is a concept we are all aware of regardless of whether we use that term to coin it.

Its literal translation is the loss of potential gain from other alternatives when one alternative is chosen.

Everything in life has an opportunity cost and it stems from the fact that we live in a finite world.

Time, money and coincidentally enough, opportunities are limited and having an awareness of such will allow you to use them where you will receive the greatest value.

Every single day, every single minute, every single second is an opportunity cost that could be spent elsewhere.

The same goes for all other resources.

My “eureka” moment came from applying this concept to all decisions. This began with small daily purchases to large purchases such as a car and a home to allocating my time to where I would get the greatest return – happiness and value were the main factors.

I understood how a small purchase every day – could be coffee, red bull, lunch – adds up over the year, let alone a lifetime (Do the math. I guarantee it will help conceptualize it). I then took it and ran with it. No need for a car the salesman says “I could afford”. No need to max out or exceed some threshold the loan officer “approved me for” when purchasing a home.

This thinking allowed me to surpass the short term rewards in life to grant me access to what was really valued – travel, financial security, experiences over material items. This led me to remove major barriers and hurdles from the ultimate goal of being financially liberated.

I must mention that it is also quite liberating not playing the “keeping up with the Joneses game”. If you’re playing the game, pull yourself out. There are more fulfilling and rewarding games where a true end is in sight. The former has no end.

Use this concept before making decisions. It often will shed light on your perspective of what is important to you.

Pursue something that will give you maximum utility with the finite resources you have.


It’s ubiquitous from shopping for cars to negotiating salaries to making compromises in personal relationships to buying and selling homes.

We fall victim to over-weighing initial information as a reference point for future decisions.

We are constantly over influenced by a reference, aka “anchor”, for future judgments.

Daniel Kahneman and Amos Tversky first coined the term. Today, most of us are all aware of the bias and you can delve more into the research and its effects in “Thinking Fast and Slow” as Kahneman dedicated a full chapter to the concept.
It’s a staple in sales/discounts/promotions. How often have you justified a purchase or felt as if you won a negotiation solely based on what the initial price or terms were? I presume that feeling would substantially diminish if you knew the real value of what you paid or committed to (some advice – anchor first).

We must adjust information to reality. We should consider choices based on their value and begin from zero. Do not let someone’s inflated price of a product/service/decision/idea soak in.

We do this with exercising and it is counterintuitive.
We believe that setting that anchor – is it 10? Lucky guess – will affect our effort to achieve it. This may work when first embarking the fitness train, but how about a few weeks in when that anchor should be a floor, not a ceiling?

It’s a negotiation with ourselves. We anchor based on some pundit’s advice or yesterday’s rep amount and if we attain that goal, we feel that sense of accomplishment. But ask yourselves “could I have done a few more” and if so why did you stop?
As long as you are truly honest with yourself about “how hard” you are working, no anchor will help and many times it stops you from exceeding where you were a few weeks ago.

Before an exercise, do not set an anchor. Focus on the present moment and push yourself to the limit.

Do this day in and day out in all aspects of your life and the rewards are boundless.

Be cognizant of what anchoring is and what it does. Subconsciously it may be hindering you from reaching your true potential and/or may be making you pay a price that is nowhere near its true value.

Present State Painting Your Future Canvas

Image result for eye abstract


When we look ahead in life, we are inclined to believe that the present state will remain as is.

If life is going well, we presume the trend will continue. The same can be said about the inverse.

Yet let us break past that innate desire to view the world going forward with the perspective that’s built upon your current emotional state.

When on a trajectory upward, reflect on your past. Not everything was filled with rainbows and unicorns and yet we fail to prepare for not IF but WHEN life will get tough again.

Being cognizant of the self serving bias – overly positive about our abilities and future – is the first step in breaking past that barrier. Focus on consequences and what can go wrong. Build a safety net in your decisions so you allow yourself to fall on a mattress as opposed to the concrete floor. Even if that mattress does not seem comfortable, you’ll be grateful you kept that safeguard upon the inception of your stumble.

The German missionary Dr. Albert Schweitzer said “an optimist is a person who sees a green light everywhere, while the pessimist sees only the red stoplight. The truly wise person is colorblind”.

You are your greatest ally and your worst enemy. Keep your emotions in check. Self-deception about the path ahead will only lead you astray.

Reflect back on your life and you will find it difficult to state all was virtuous or unpleasant.

Let’s look towards the future in the same way and prepare. This allows us to see life the way we should while building humility for the upswing and building a cushioned floor for when we fall.

Hunter S. Thompson’s Letter


I first came across this letter a few years ago and just recently stumbled upon it again. Hunter Thompson was 22 years old when he was asked by his friend, Hume Logan, for advice on life. His letter and answer to Hume’s question is listed below. The letter dates back to April of 1958. Before you begin your day, take some time and let his words of wisdom inspire you and change your perspective on life.

April 22, 1958
57 Perry Street
New York City

Dear Hume,

You ask advice: ah, what a very human and very dangerous thing to do! For to give advice to a man who asks what to do with his life implies something very close to egomania. To presume to point a man to the right and ultimate goal — to point with a trembling finger in the RIGHT direction is something only a fool would take upon himself.

I am not a fool, but I respect your sincerity in asking my advice. I ask you though, in listening to what I say, to remember that all advice can only be a product of the man who gives it. What is truth to one may be disaster to another. I do not see life through your eyes, nor you through mine. If I were to attempt to give you specific advice, it would be too much like the blind leading the blind.

“To be, or not to be: that is the question: Whether ’tis nobler in the mind to suffer the slings and arrows of outrageous fortune, or to take arms against a sea of troubles … ” (Shakespeare)

And indeed, that IS the question: whether to float with the tide, or to swim for a goal. It is a choice we must all make consciously or unconsciously at one time in our lives. So few people understand this! Think of any decision you’ve ever made which had a bearing on your future: I may be wrong, but I don’t see how it could have been anything but a choice however indirect — between the two things I’ve mentioned: the floating or the swimming.

But why not float if you have no goal? That is another question. It is unquestionably better to enjoy the floating than to swim in uncertainty. So how does a man find a goal? Not a castle in the stars, but a real and tangible thing. How can a man be sure he’s not after the “big rock candy mountain,” the enticing sugar-candy goal that has little taste and no substance?

The answer — and, in a sense, the tragedy of life — is that we seek to understand the goal and not the man. We set up a goal which demands of us certain things: and we do these things. We adjust to the demands of a concept which CANNOT be valid. When you were young, let us say that you wanted to be a fireman. I feel reasonably safe in saying that you no longer want to be a fireman. Why? Because your perspective has changed. It’s not the fireman who has changed, but you. Every man is the sum total of his reactions to experience. As your experiences differ and multiply, you become a different man, and hence your perspective changes. This goes on and on. Every reaction is a learning process; every significant experience alters your perspective.

So it would seem foolish, would it not, to adjust our lives to the demands of a goal we see from a different angle every day? How could we ever hope to accomplish anything other than galloping neurosis?

The answer, then, must not deal with goals at all, or not with tangible goals, anyway. It would take reams of paper to develop this subject to fulfillment. God only knows how many books have been written on “the meaning of man” and that sort of thing, and god only knows how many people have pondered the subject. (I use the term “god only knows” purely as an expression.) There’s very little sense in my trying to give it up to you in the proverbial nutshell, because I’m the first to admit my absolute lack of qualifications for reducing the meaning of life to one or two paragraphs.

I’m going to steer clear of the word “existentialism,” but you might keep it in mind as a key of sorts. You might also try something called “Being and Nothingness” by Jean-Paul Sartre, and another little thing called “Existentialism: From Dostoyevsky to Sartre.” These are merely suggestions. If you’re genuinely satisfied with what you are and what you’re doing, then give those books a wide berth. (Let sleeping dogs lie.) But back to the answer. As I said, to put our faith in tangible goals would seem to be, at best, unwise. So we do not strive to be firemen, we do not strive to be bankers, nor policemen, nor doctors.WE STRIVE TO BE OURSELVES.

But don’t misunderstand me. I don’t mean that we can’t BE firemen, bankers, or doctors — but that we must make the goal conform to the individual, rather than make the individual conform to the goal. In every man, heredity and environment have combined to produce a creature of certain abilities and desires — including a deeply ingrained need to function in such a way that his life will be MEANINGFUL. A man has to BE something; he has to matter.

As I see it then, the formula runs something like this: a man must choose a path which will let his ABILITIES function at maximum efficiency toward the gratification of his DESIRES. In doing this, he is fulfilling a need (giving himself identity by functioning in a set pattern toward a set goal), he avoids frustrating his potential (choosing a path which puts no limit on his self-development), and he avoids the terror of seeing his goal wilt or lose its charm as he draws closer to it (rather than bending himself to meet the demands of that which he seeks, he has bent his goal to conform to his own abilities and desires).

In short, he has not dedicated his life to reaching a pre-defined goal, but he has rather chosen a way of life he KNOWS he will enjoy. The goal is absolutely secondary: it is the functioning toward the goal which is important. And it seems almost ridiculous to say that a man MUST function in a pattern of his own choosing; for to let another man define your own goals is to give up one of the most meaningful aspects of life — the definitive act of will which makes a man an individual.

Let’s assume that you think you have a choice of eight paths to follow (all pre-defined paths, of course). And let’s assume that you can’t see any real purpose in any of the eight. THEN — and here is the essence of all I’ve said — you MUST FIND A NINTH PATH.

Naturally, it isn’t as easy as it sounds. You’ve lived a relatively narrow life, a vertical rather than a horizontal existence. So it isn’t any too difficult to understand why you seem to feel the way you do. But a man who procrastinates in his choosing will inevitably have his choice made for him by circumstance.

So if you now number yourself among the disenchanted, then you have no choice but to accept things as they are, or to seriously seek something else. But beware of looking for goals: look for a way of life. Decide how you want to live and then see what you can do to make a living WITHIN that way of life. But you say, “I don’t know where to look; I don’t know what to look for.”

And there’s the crux. Is it worth giving up what I have to look for something better? I don’t know — is it? Who can make that decision but you? But even by DECIDING TO LOOK, you go a long way toward making the choice.

If I don’t call this to a halt, I’m going to find myself writing a book. I hope it’s not as confusing as it looks at first glance. Keep in mind, of course, that this is MY WAY of looking at things. I happen to think that it’s pretty generally applicable, but you may not. Each of us has to create our own credo — this merely happens to be mine.

If any part of it doesn’t seem to make sense, by all means call it to my attention. I’m not trying to send you out “on the road” in search of Valhalla, but merely pointing out that it is not necessary to accept the choices handed down to you by life as you know it. There is more to it than that — no one HAS to do something he doesn’t want to do for the rest of his life. But then again, if that’s what you wind up doing, by all means convince yourself that you HAD to do it. You’ll have lots of company.

And that’s it for now. Until I hear from you again, I remain,

Your friend,



We were fed to believe that calories, protein, carbohydrates, fat, along with a few others should be weighed significantly before consumption. The history of how this came about and why it is ubiquitous today is discussed in depth in Michael Pollan’s “In Defense of Food”.

The bombardment of nutrient marketing has benefited the conglomerates of the food industry and has created much confusion for consumers. Do you select that granola bar that’s labeled and marketed as low fat, high fiber, low carb, low sugar, or high protein?

How about whether or not you should opt for the pizza dough that now has probiotics?

Does it not strike you as odd that the produce we all know that contain the nutrients that are beneficial to us have no listings on them describing what their high in, low in or good for? Next time you step inside a food store, walk down the middle aisles where all processed foods are located and then proceed to the far end of the grocery store where you will find the produce selection. Be cognizant of how divergent they are in regards to their marketing claims.

Researchers compose studies about nutrients and aim to break them down into single dimensions. Skepticism is needed here for those of us who read and care about what we are ingesting. Height and weight are single dimensions. Those can be measured precisely at a specific point in time. Consider areas where singularity is non-existent. How do you precisely measure the risk of cancer from eating too much meat or whether a glass of wine every day is good for you?

Although we attempt to control all other factors that may play a role in altering the results, how does one account for genetics, exercise, stress, happiness, etc. We also know that certain foods are processed and digested differently when eaten in conjunction with other foods as well as nutrient contents being contingent upon the method we use to cook them.

The whole is greater than the sum of the parts. Although determined in a different field of science Anderson’s finding in his essay, “More Is Different”  that “The behavior of large and complex aggregates of elementary particles, it turns out, is not to be understood in terms of the simple extrapolation of the properties of a few particles” can be applied to food nutrients.

What is more alarming is that most nutrient studies are based on questionnaires. Do you recall the exact amount of red meat you’ve eaten in the past two months? How about the precise amount of water, exercise, fiber, sugar, or coffee?

We must also take into account how we skew answers. We have the tendency to consciously or unconsciously select choices based on what we speculate may be in our and/or the surveyor’s best interest. Couple this with the inability to determine the precise amount of food we consumed (how many peanuts are in 6 oz?) and your credence of these studies should plunge.

Let’s begin depreciating the importance of nutrients and transition back to single ingredient items. As much as science has completely transformed our lives, researchers should abide by Socrates’ quote that “true knowledge exists in knowing you know nothing”. Humans have an innate desire to understand cause and effect and it often leaves us with misinformation. What is taken as conventional wisdom (the world being flat, Roman’s lining plumbing systems with lead, margarine being healthier than butter)  will soon be shattered by new evidence that we did not account or factor in.

Turn over those bars you’ve been eating lately. Read the ingredients listed. What exactly are you eating? Consumer awareness of such is increasing and companies that fail to adopt will soon become obsolete. What we now need is to not only shrink those middle aisles filled with processed and artificial foods but solidify that fresh produce will be its replacement.

Never forget, correlation does not mean causation. It’s imperative we keep that in our cognitive toolkit when reading studies related to nutrition. There is a correlation between ice cream sales and shark attacks but that does not mean one causes the other. It just so happens that shark attacks are more likely in the summer (more of us enter the ocean in summer months) which is also the season most of us buy ice cream.

Reversing the Healthcare Tide

We procrastinate and are quite well at doing it. We put off errands, work, saving, health, fixing problems, and so on ad infinitum.

Where we get into a predicament is when a potential and/or a current minimal issue gets pushed into the future.

Insignificant troubles commonly ferment into catastrophic problems whereby larger, costlier, and more time-consuming solutions need to be deployed.

Welcome to healthcare.

Currently, our healthcare system de-incentivizes patients to take care of minor ailments and potential maladies. Consumers pay high premiums coupled with high deductibles, copayments and coinsurance amounts. Not only are we averse to inconvenience and great procrastinators but now charge us $40-$80 copayments to go to the doctor; it’s not happening.

This is especially true for those of us who are currently healthy – this “healthy” status is contingent upon who you ask. If there’s no present issue, there is nothing to go get assessed. If there are symptoms that are deemed by us to be trivial, we will push through it.

Herein lies the problem.

We do not get educated on diseases that we may cross paths with. We do not begin altering decisions that may lower the likelihood of being diagnosed with a chronic disease. We do not permanently fix the hole in the boat but instead put a paper towel in it to buy us some time.

The end result: not one we want, the insurance companies want, nor the physicians.

The current tide floats us to relief. We need the tide to shift towards prevention.

Pay us to go to the doctor. You’re a healthy 28-year-old with no physical symptoms of illness? Great! Go to your primary care physician at least annually and he’ll give you $50 at the checkout desk. The physician can submit a claim to the insurance carrier for not only the services rendered but the $50 payment made to the patient.

You’re a patient who is pre-diabetic and can take action to diminish the likelihood of being diabetic? Go to the doctor and find out how!

Why you may ask, would insurance companies do this?

Eighty-six percent of the nation’s $2.7 trillion annual health care expenditures are for people with chronic and mental health conditions.”

Short-term, this may cost insurance companies and diminish their profits (they could increase premium amounts to equal the payments to the patients for preventative services if it substantially reduces their next few quarters profit margin. Psychologically, even if it is the same net amount, I am inclined to believe patients would go to get their money back). Long term, their cost saving if they could minimize the number of people contracting chronic diseases would substantially outweigh their costs.

The same methodology could be used for the compliance dilemma providers have. If patients are complying with the providers’ orders, an amount should be given to reward the patient. Results should be discussed and illustrated to confirm that the patient’s decision and actions that support adherence are indeed beneficial.

A NIH study showed evidence that patient incentive programs might be a mechanism to increase rates of preventative care received. In this study, patients paid to be part of the program and upon doing so, received discounts on goods and travel. I presume the receipt of preventative services would dramatically increase if you rid of the cost to sign up and increase the reward for receiving care.

Let’s shift the paradigm of healthcare from relief to prevention. The small costs we would pay as a society would never come close to the regret, angst, fear, and guilt we would have when the diagnosis is listed in our file. This shift would benefit all parties in the healthcare field as the pendulum swings from quantity to quality (besides the pharmaceutical industry- relief is their business).

Let us be all on the same team.



Understand the Difference


Wholesome Wealth

We use frugality and being cheap interchangeably. Convenience may be a reason. The


convenience to either ease the guilt of spending or of labeling someone who does not join you in such.

Frugality is being economical with your resources.

Being cheap is an unwillingness to use your resources on anything.

We can use any asset but for simplicity, we will use what most are accustomed to using: money.

Being cheap is going out with friends and not contributing the full amount monetarily to the value you received. Being that person who subconsciously hopes and aims to have a good time on someone else’s tab, time after time.

Being frugal is determining that you have to pass on this adventure knowing you have x,y,z in the horizon that will chip away at your elusive resource.

Frugal people tend to look at value whereas the cheap tend to look at the price.

We cannot have it all. You must pick and choose where you will spend your money on. Choose the things you love enough to use it and substantially reduce on the things in which you do not.

Be frugal. Save a buck where it does not diminish your value. This allows us all to gain more use of the resource we struggle with allocating properly.