Kali, host of Making Sense of Cents, explores what to do when frugality falls short, while Michelle Schroeder-Gardner, a financial blogger and RV traveler, shares her journey from student debt to financial freedom. They discuss the limits of cutting costs and emphasize the need for income diversification. Strategies such as side gigs, asset utilization like renting space, and leveraging financial apps for budgeting are highlighted as key methods to enhance financial growth. Tune in for actionable insights on achieving true financial independence!