In the final episode of the fall season, we discuss the areas of your budget you want to avoid cutting down on.  Cutting costs in some areas are more likely to leave you with remorse, and they may surprise you.

• Your future self with thank you (3:19)
• Where NOT to save: Investing (4:00)
• Where NOT to save: Personal insurance (5:42)
• Where NOT to save: Personal savings (7:37)
• Where NOT to save: Debt Repayment (8:21)
• Where you should try and save (10:15)
• The happiness equation (11:00)