11 simple ways to spend less and save more

If you really want to change your financial outlook, you have to make it part of your lifestyle (just the way effective eating plans work, too). Some of the following tips are gathered from people who save 35 to 50 percent of their total income and thus buy financial freedom much earlier in their lives than most people—in other words, SuperSavers. Here are eleven ways to spend and save smarter.

Excerpted from the book Age-Proof: Living Longer Without Running Out of Money or Breaking a Hip by Jean Chatzky and Michael F. Roizen, MD. Copyright © 2017 by Jean Chatzky and Michael F. Roizen, MD. Reprinted by permission.

Jean Chatzky is an award-winning financial journalist and CEO of HerMoney.com. Michael F. Roizen, MD, is Chief Wellness Officer for Cleveland Clinic and co-creator of the RealAge Test.