It's a minimalist Monday edition of Optimal Finance Daily, episode 1095,

why a three-year spending ban isn't as crazy as it sounds.

And I deserve a new car, right?

Both by Jen of Frugal-Milennial.com. And I am Dan, I'm your host here on the show. Happy

Monday to you if you're listening to us in real time. And this is where I read to you

from some of the very best personal finance blogs on the planet.

And if you have any topic requests for us, anything you'd like to hear me cover on the show,

please visit old podcast.com and share those ideas.

That's OLD Podcast.com.

But for now, let's get right to today's two posts from Jen as we optimize your life.

Why a three-year spending ban isn't as crazy as it sounds by Jen of Frugal-

millennial.com When I tell people I'm on a three-year spending ban, they often act like that's completely

insane. Many people try a spending ban for a week, a weekend, or a month. Doing one for three years is much less conventional.

I chose to do this because my husband and I are working on paying off

$127,000 of debt, only $26,000 left to go now, and paying off that much debt in three years is impossible unless

or extremely frugal. I can understand why it sounds nuts to some people but it's

really not as crazy as it sounds

because I don't stick to the spending ban 100%.

My spending ban is more of a general rule that I usually stick to

but I make exceptions occasionally. I don't freak out every time

I make an exception to my spending ban. I don't publish a post on Instagram complaining

about how I screwed up every time I spend money because I don't view it as a screw up. So why do I even

...