We're all really creative accountants

Plus no dude, living rent-free in your grandpa's summer home isn't making it on your own. Shut up.

This time of year usually comes with money challenges and combined with inflationary fears and food price increases, it’s tempting to jump all-in on frugal/savings/no spending challenges.

I love a challenge and do small ones myself but I don’t jump all-in because I’ll backslide into old spending habits. But the point of financial challenges, I think, is…