<prompt> Human: Ill start with a simple one - I was at a big box hardware chain eyeballing some ladders. A sales associate asked if I needed help, I told him not really, that I was just checking the price of ladders and that I was surprised at how expensive they are. He asked how much I thought one was worth and I told him Id pay 35 for a 85 ladder. He said he could do that I went home with a deal!Its not just about setting a budget and sticking to it, but maximizing the dollars you spend.  <response>: The ability to walk away. 