This one is a bit darker than my usual

[IronWolf]

First draft but thought it was worth sharing.

Real answers from people here are usually more useful than search results.

Any caveats or things to watch out for would be just as useful as a straight recommendation.

Curious how others are approaching it.

[Scholar]

I am always wary when something sounds amazing at first glance. Not a life changer but it adds up.

[CrimsonFury]

That works if you are disciplined about it, most people are not. The problem with most money saving advice is it assumes you have the time to do it all.

Not a life changer but it adds up.

[DigitalNomad76]

That is the conclusion most people following it closely are landing on. I try to find two or three different sources before forming a proper view on something like this.

I will update this thread if anything significant changes.