Gary Grewal didn't grow up in poverty. But seeing the gap between the "haves and have-nots" shaped how he thinks about money. Now a financial planner and author of Financial Fives, Gary talks about frugality without feeling deprived. Building side businesses that actually last. And why saving too much can mess you up just as much as overspending. This episode digs into the psychology of money. The myths around financial independence. And why buying back your time might be the smartest move you make.