A few years ago I started tracking every shilling I spent on takeout. Not to shame myself, just to see. Turned out it was enough each month to buy a small index fund position. I switched to cooking twice as often and let that money sit. The quiet part nob... moreA few years ago I started tracking every shilling I spent on takeout. Not to shame myself, just to see. Turned out it was enough each month to buy a small index fund position. I switched to cooking twice as often and let that money sit. The quiet part nobody tells you: building wealth is less about big wins and more about noticing the small leaks. less