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    How to Live Frugally Without Skipping Starbucks

    by Sean McDonnell, CFP®, NSSA, Financial Adviser, Advance Capital Management Oct 26, 2018 3 minutes

    Here's a question: Where is your phone right now?

    I bet you answered without hardly thinking. Maybe your phone is in your pocket or sitting on the table or desk right next to you. Most likely, it's in your hand as you're reading this.

    It's no longer hyperbole to say technology has taken over our lives. In fact, Americans spend more than 11 hours a day on average interacting with various forms of media, according to a recent . That's most of

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