I want you to spend extravagantly on the things you love, and cut costs mercilessly on the things you don't.
Automation is the key. Set up your accounts so the money moves automatically before you even see it. Then spend the rest guilt-free.
Nobody talks about negotiating your salary. It is the single highest-ROI financial move most people will ever make, and it takes one conversation.
Most personal finance makes you feel guilty. Mine does not. Guilt is not a financial strategy. Systems are.
Stop trying to cut lattes. Start trying to earn more. The upside on income is unlimited. The upside on frugality is capped at what you already spend.
A target-date fund is the single best investment for most people. Pick the year you retire, invest in that fund, and stop thinking about it.