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Yeager, a former executive in the nonprofit sector, is the author of four books about living on the cheap – his latest is “How to Retire the Cheapskate Way.” He’s also an expert for AARP, and the host of a weekly web show.

“Live within your means always, live below your means whenever you can. It sounds simple, it's very rare for Americans to do that. We tend to live beyond our means,” he said. “If you were simply, for most Americans, to reduce or eliminate waste from your life, and stop buying stuff that ultimately is going to disappoint you, most people's financial ships would be righted. “




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