Most people’s financial decisions are driven by what the people around them decide — which, in this culture, typically ranges from thoughtless to completely backwards — and conscious thought about the getting the best deal on happiness doesn’t enter the picture. Would you rather have five all-expenses-paid years off to spend with your family, learn a language or build a business — or drive a big car instead of a small car? It’s shockingly normal for people to choose the latter, because they have no idea that they’re making that choice at all.

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I am way happier already. In the three months since I’ve been smarter about my spending, I’ve saved three months’ worth of living expenses, which has an immediate stress-reducing effect. I could get laid off or fired and have plenty of time to figure out what to do, so there’s much less day-to-day stress about my job performance, which has actually led to an effortless improvement in job performance. I have a sense of control over my life that I’ve never felt before. These intangible dividends are immediate, and they don’t cost a cent because the money is still mine.