I hope you don't take this the wrong way, but this is a wealthy person's list.

I've never lived anywhere near a plastic surgeon's office. I know there are a couple in the nearest city, about 30-45 minutes away. Nobody I know spends $100 on breakfast or $250 on Gucci sunglasses. Or buys expensive sneakers. And the very thought of having a $22 lunch delivered to me makes me hyperventilate. Good God! It's been a few years since I've had Starbucks. I've probably had their coffee 5-10 times in my life.

Who wears watches? Our phones keep perfect time.

My face cream comes from Aldi, the discount supermarket, because it's obvious that most of that stuff is a waste.

Now, if you want next-level money-saving ideas, talk to someone with less cash. I'll tell you all about the advantages of hanging up your laundry to dry and eating inexpensive but nutritious food, of keeping your cars running forever, of rehabbing your house yourself and much, much more.