On this week's episode, Scott talks frugality with past 3rd Decade participant TK. TK and his wife have been, by far, the most successful students to pass through the 3rd Class as far as consistent net worth increases over the past four years. In fact, we often exclude their numbers, so as not to overstate the stats, when describing the improvement seen by the average 3rd Decade participant.Him and his wife paid their way through college and graduated debt free, purchased a home in their mid-twenties and paid it off by their early thirties.  They recently paid cash for a wedding ceremony and a three-week honeymoon touring all over Italy. They now live comfortably, debt free, maintaining a 70-80% savings rate and maxing out their retirement accounts. They accomplished this with two average salaries and an exceptionally savvy and precise use of the 3rd Decade principles to manage their personal finances. Whether you find yourself at a place where frugality is a necessity or a tool to reach other goals you have set for yourself, TK discusses some of his best tips for making it a reality for yourself. Resources recommended by TK:Books:*The Simple Path to Wealth by JL CollinsThe Millionaire Next Door by Dr. Thomas StanleyThe Coffeehouse Investor by Bill ShultheisThe Automatic Millionaire by David BachEarly Retirement Extreme by Jacob Lund Fisker I Will Teach You to be Rich by Ramit SethiBanking: *USAA (best bank in the world if you have access)Capital One 360Tracking Spending:*mint.com (free)https://www.madfientist.com/financial-independence-spreadsheet/ (free)personalcapital.com (free)QuickenBlogs / Podcasts:*mrmoneymustache.com3rd Decade (blog and podcast) (obviously!)madfientist.com (blog and podcast)Dave Ramsey’s radio show and his “Baby Steps” jlcollinsnh.comearlyretirementextreme.comaffordanything.com (blog and podcast)Biggerpockets Money PodcastChoose FI PodcastRadical Personal Finance PodcastYou Need a Budget Podcast

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