Bill splitting, it can be a source of annoyance to me for what otherwise is always an amazing time with friends. This happened to me a month ago.
I just don’t like throwing my money through the window every day and if I can save money by being more mindful I will do, i.e., being frugal.
When it comes to SR, it’s possible you stumbled upon my blog while Googling it and are a FIRE-veteran that only needs a reminder Maybe that is not you though and it’s your first time reading about this weird beast called “Savings Rate”. Either way, the following should be a good read.