View every dollar as a potential income stream, and think about that carefully before spending it.

If I am thinking about spending $10 on a scone and a cup of coffee at Starbucks, I look at that $10 and think....hmmm, $10 invested prudently will throw off 5% a year, forever. That scone and coffee will cost me 50 cents a year, until I die, then my children and grandchildren and greatgrandchildren will continue to pay 50 cents a year. Forever.

So, do I *really* need that poorly-roasted swill, and dreadfully fatty baked goodie?