Above Average Dollar

JV Jones and YourPalSal discuss best practices when grocery shopping on a budget.

Resources

USDA Family Food Plant

JV Jones and YourPalSal review the differences between systems and goals.  DIscussing important characteristics of each, and how having a system can set you up for success regardless of the goal being reached.  As for how this applies to being "debt free", breaking your system to bite sized achievable pieces which wont result in burnout is key.

A few external references

Scott Adams: Goals vs System https://www.scottadamssays.com/2013/11/18/goals-vs-systems/

Lifehacker: Get More Done By Focusing on Systems Instead of Goals https://lifehacker.com/get-more-done-by-focusing-on-systems-instead-of-goals-1786245764

JV Jones and YourPal Sal discuss consumer purchases and the thought process behind them.  They review some of their systems and rules they follow when making purchases, some of which were suprising.

JV Jones and YourPalSal Expose the 4% rule. Fears of the 4% rule. What is the 4% rule regarding early retirement and how much you need to save up to retire early. How much in assets are needed to have a safe withdrawal rate from your investments. What assets are not included in the 4% rule. YourPalSal learned a lesson regarding tracking expenses to figure out what is needed to ultimately make you happy with your 4% withdrawal from early retirement

JV Jones and YourPalSal discuss What does debt free mean for you? Freedom from time and demand from external variables. Mindset of freedom means different things at different points in your life. You cant be obsessed with the now, you have to be obsessed with the journey.

JV Jones and YourPalSal discuss their personal journey regarding debt and building an emergency fund.  They also gave ideas on transition jobs and gave personal experiences on how to build up that emergency fund.