Welcome to How To Money. I'm Joel and I'm Matt and today we're discussing

front loading the sacrifice with MoneyPro DocG.

Yeah Joel, that's right we've got DocG on. He's involved with the financial

independence community. He's a co-host of a podcast as well so I'm looking

forward to hearing what he has to say about five. He's on the

pendants. And if people are wondering why he's called DocG, well there are a lot

of people that blog and do podcasts in that community that have day jobs and

they don't really want to let everyone know that they're a part of the fire

community which is financial independent or entirely. And so DocG, it goes kind of

under that anonymous name so that his employer doesn't find out that that's who he is.

Yeah, you know the first time I realized that when I came across a bunch of those folks,

I thought it was the weirdest thing ever because they post pictures of themselves and put like a

sticker here with their face, that sort of thing as well like no social media at all. But you know,

it does make sense. You don't want to jeopardize your job. Anyone who comes to how much money you have,

you don't necessarily want all that information out there because a lot of those folks lay it all

out there like they lay at bear and you can look at their budgets, how much they're spending,

how much they're earning, and there's a lot of privacy that you're giving up when you're doing

that. So I can get behind that now. But initially it totally threw me. But what you got for us today?

Yeah, so I'm excited about this episode. I feel like there's a lot of takeaway for folks as they

kind of start to think about saving and investing. But before we get to that, Matt, I wanted to mention

two different frugal versus cheaps. Yeah, let's get back to that for a minute. We haven't done a

frugal versus cheap. I saw that note on there. I was hoping you'd have one. Yeah, so MLS soccer is

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