O . K . So , where do you think we can save more money ?   Well , we could eat in more . That $ 300 for entertainment is mostly going to restaurants .   Yeah , that ’ s a good idea , and you like to cook . What about the books ?   No , I need my books .   Come on , if we save more money we can retire earlier , and you ’ ll actually have time to read all those books you buy .   Well , what about the $ 50 you spent on a shirt ? You could ’ Ve gotten something for less .   O . K . Let ’ s compromise , if you agree to only spend $ 75 on books , I ’ ll agree to only spend $ 40 for my next shirt . 