Here’s a great story. A few years ago I competed in a newspaper competition regarding the best money-saving tips. They pick the best 50 entries and invite the winners to a nice luncheon where they give awards and discuss personal finance. I submitted 10 or 12 entries. Some of my entries explained ways to save thousands of dollars, some hundreds of dollars, and some fifty dollars or less. Subsequently, I was notified that I was a winner, and I was very excited to be able to join some folks who were as serious about financial matters as I was. They didn’t tell me which of my entries had won, so I assumed it was one of the suggestions that could save people thousands of dollars. My wife and I had fascinating discussions with people at our table, and we were amazed at some of the creative things people had done to save money. As the 50 awards for the best suggestions were given out, more and more people were named, but I remained unnamed. I began to think, “Oh, I’m going to be the last person named because my top suggestion would save people thousands.” Finally, the announcer said, “And our 48th winner goes to ********(me), a happy-hour type of guy, for his suggestion of how to two people can go to a local restaurant and eat a full meal with a glass of wine for $11.97 which includes a 20% tip and taxes.” Haha! I was stunned. Yes, a local restaurant offered a chicken taco appetizer plate (that was enormous), and during happy hour they reduced the wine to $2/glass, so it was possible to eat a full meal with wine for $11.97, but that was my most trivial suggestion of the ones I had sent in, and I had submitted it only to show people that sometimes it’s possible to get a real deal at a restaurant. After all my friends heard about the suggestion that had made me a winner, they began to continually tease me by calling me “the happy hour guy.” I can tell people how to save thousands of dollars, but I won an award for telling people how to get a cheap meal! Too funny.