Theme: Centered on frugality, this book explores achieving financial freedom through rational consumption and money management, enabling readers to amass wealth from small daily changes. More than a financial guide, it’s a profound reflection on lifestyle and money perspectives, emphasizing that frugality isn’t sacrifice but efficient resource allocation toward meaningful goals like dreams, family happiness, and retirement security. Author Shi Heng weaves personal experiences with real cases, dissecting modern consumption traps and offering practical psychological and actionable strategies to build a solid financial foundation.

Chapter Highlights: The book is divided into two parts. Part One lays the groundwork for financial health, from reshaping money mindsets to quickly assessing financial status, teaching readers to distinguish “wants” from “needs” and exposing how ads manipulate spending. For instance, the case “Ah-Wei’s Financial Turnaround” shows how tracking small expenses led to $5,000 monthly savings. Part Two delivers everyday money-saving techniques, covering smart shopping, membership perks, DIY household items, and zero-waste living. For example, “Xiao-Fen’s DIY Experiment” illustrates saving nearly $10,000 yearly by making cleaning products. The book also addresses emergency funds, retirement planning, and collaborative family finance, highlighting how long-term goals drive frugality. Each chapter starts with a case, offering actionable steps and psychological tips to turn theory into practice.

Target Audience: Ideal for 20–50-year-olds, including career starters, family providers, or those seeking financial independence. For young adults stressed by high spending, it offers simple saving starters; for middle-aged readers with family duties, it provides family finance and long-term planning advice; for dream-chasers eyeing travel, entrepreneurship, or retirement, it links frugality to goals. Regardless of income, readers will find tailored money-saving strategies.

Practical Value: Through structured steps like expense tracking, goal-specific accounts, and regular reflection, readers can swiftly improve finances, building emergency and retirement funds. Psychological strategies, such as overcoming “deprivation” and visualizing goals, help internalize frugality as a habit, not a burden. Zero-waste and experiential consumption concepts enhance life quality while saving. Data shows saving $3,000 monthly at 3% annual yield grows to over $422,000 in 10 years, proving small savings’ long-term power.

Unique Appeal: Beyond financial tips, the book integrates consumption psychology and lifestyle philosophy, urging readers to redefine “wealth.” From DIY to zero-waste, it advocates a sustainable frugal lifestyle balancing personal joy and environmental duty. Real cases and a humorous tone make it accessible across ages, perfect for practical application.