0:53 - live with housemates
1:46 - take advantage of living in a walkable city
3:15 - we have food at home
3:56 - go to free events, where you can find on sf.funcheap.com
5:13 - having a minimalist mindset
6:22 - look at what partners my credit cards have
7:34 - combating FOMO (fear of missing out)
8:57 - avoid subscriptions
9:32 - workout through youtube or walking
11:23 - don't be swayed by your friends or people around you
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