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“Credit isn't cash, credit is debt. Debt is simply the selling of your own future earnings.”
― Nic Adams, Radical Frugality: Living in America on $8,000 a Year
“Because it's not about how much you earn, it's about how much you spend. And spending is in your control.”
― Nic Adams, Radical Frugality: Living in America on $8,000 a Year
“Convenience, by definition, means you are paying a premium for an aspirational product, only putting yourself further and further behind in achieving positive cash-flow and ensuring you will only work harder and find yourself more exhausted in the future, extending the rat race of consumerism.”
― Nic Adams, Radical Frugality: Living in America on $8,000 a Year
“People fill their time with high intensity distraction because they have completely lost touch with what it would mean to take purposeful action to fulfill their own potential.”
― Nic Adams, Radical Frugality: Living in America on $8,000 a Year

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Radical Frugality: Living in America on $8,000 a Year Radical Frugality
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Radical Frugality: How to Live in America on $8000 a year Radical Frugality
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