Living below your means gets a lousy repetition. People believe this means you can't buy Starbucks, eat out, or go on vacation.

LBYM simply means you live a couple of notches below your income level. If you earn $6,000/month, you try to live on $4,000.

We call the extra money cash flow, and it is the heart of your household. We use the additional income to save and invest.

Saving and investing have different purposes, but all lead to the same results. They help you lead the life you truly want. LBYM is the start of the saving and investing process. Good Luck!