I was listening to the Financial Independence Podcast recently and one of the people being interviewed said something that made me stop and think.  “The less you buy, the less you need.”  This struck me because it’s so simple. It’s so simple and 100% true.   The less you buy, the less you have to maintain. The less you buy, the less you need the money to pay for it.  When you’re not using credit cards, you don’t need the income to make the payment every month.  Pretty straightforward. .