So, I opened a TikTok account the other day. I know - this is not to be expected of a silver-haired, middle-aged dude, but you know, I do like to keep people guessing! Almost immediately, the almighty TikTok algorithm decided to show me a video by a guy with the handle Frugal Spender. And then a few days later, Brian DMd me, we booked a Zoom call and agreed to record a podcast together. And that’s what you’re about to listen to!