<prompt> Human: I am making a conscious effort to be more frugal as my fiance and I save for a wedding and a house, and this phrase really struck me. I have a proclivity for over-fixating and Id like to make sure Im doing it on the right things.  <response>: When looking at your budget, figure out what will make the biggest impact. Start with your largest expense and work your way down. Its okay if some things are pretty fixed. Like, housing may currently be your largest expense. And you might not be able to move without sacrificing something larger like having a longer commute, getting worse benefits, etc.. Just dont get fixated on saving pennies without first seeing if there are ways to save dollars instead. 