Jen Smith is a personal finance writer and co-host of the Frugal Friends Podcast. She started the Modern Frugality blog to help people who want to pay off debt learn to do it efficiently, stay motivated on the journey, and achieve a lifestyle full of joy and contentment. Jen joins me on the show to discuss why she is so passionate about showing others that living frugally and practicing intentionality with your finances is possible for everyone, no matter their current money situation. She shares how she and her husband paid off $78,000 of debt in two years on an average income and simply defines the concept of frugality.