A lot of popular financial advice focuses on ways to cut expenses, like making coffee at home rather than buying a latte from Starbucks. But if you really want to cut expenses, you get more bang for your buck targeting life’s bigger expenses, like your car and your home. Buying a less-expensive good used car, or buying less home than a lender says you’re qualified for, can make your budget a lot easier to work with. Plus you can then enjoy those “more expensive” daily treats like your specialty coffee—without guilt! My thanks to fellow financial planner extraordinaire Michael Kitces for this guilt-free perspective, and to my local coffee shop, Great Lakes Coffee Company in Angola, Indiana, for letting me shoot this video on site (and for the “No-Fun” mocha—no whip cream, skim milk).