Recently something clicked for me, a reconciliation of the personal finance philosophies of Mr. Money Mustache and Ramit Sethi, two “rich life” bloggers I follow. The former retired in his thirties via ultra-aggressive savings and a serious no-frills lifestyle (drying clothes on the line, buying cheap staple foods in bulk, bicycle as main mode of transportation, etc.). Ramit, on the other hand, loves to ridicule budgeting (few really do it) and advises his readers that they are better off putting their attention and energy into earning more money (via starting online businesses, freelance work, side jobs, and/or negotiating higher salaries). Superficially it would seem that these two approaches are diametrically opposed, but a unifying principle revealed itself to me after a recent transportation experience. Don’t waste money. I’ll get into what that means (at least what it means to me) a little later.