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For an introduction, read about the Chick-Fil-A free sandwich offer and my first free sandwich.

It’s funny because my colleague laughed at me when I was enthusiastically talking about my free sandwich every Thursday. She said that with the money we make, we can afford a sandwich.

Interestingly, she also buys a cup of Starbucks every morning and a bottle of diet coke every afternoon. The other interesting fact is that she semi-retired after years of earning very good salaries/commissions. I bet that if she didn’t buy coffee and sodas diligently everyday for years, she could’ve fully retired (she admitted that the reason why she didn’t retire was because she didn’t have enough money to do so).

The moral of the story is that being frugal has nothing to do with how much we make. Our assets are accumulated with how much we can add to our net worth and not how much our income is! The more ways we can find to save money, the better chances we give ourselves to retire rich. Everything starts small and today is the day to start!

For those that are wondering about the math, I bought the cow for $4.99 and I just got my second free sandwich this Thursday. With each sandwich being $2.55, I have turned a profit (I got a ride there both times so no transportation cost!). With a free sandwich every single week, my cow is giving the Nintendo Wii a run for the best investment of the year!