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That was the No.

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1 money tip she provided in an interview on GOBankingRates Live Richerpodcast, hosted by Jaime Catmull.

Money cannot do anything without you, Orman said during the interview.

But money can do somethingforyou.

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Money can teach you more about yourself than anything else, Orman said.

No emergency funds, all kinds of ways.

She suggested asking yourself what happiness and financial success look like for you.

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Nichols called the answers your enough and recommended eliminating any spending that doesnt help you achieve it.

At the same time, celebrate your small wins the steps you take to ease your financial concerns.

Orman has several recommendations that can help.

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Frugality can be a challenge, but Orman herself is careful about how she spends her money.

Do I need to be frugal?

No, not really.

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