Curtis --
Good for you -- that's the way it's done buddy!
I have a very good friend - that I "help" him with his investments... the couple combined has never earned 80K a year... BUT he was ALWAYS a saver - and "debt adverse"... Now that he's near retirement - they have well over ONE MILLION DOLLARS in the bank (stocks / bonds / CD's) - ZERO debt including no mortgage. A pretty good "space" to come into retirement I'd day. The only reason they can do this - is because they always saved first.
So here's the problem that I argue with them about all the time --- he's saved for so long - and never splurged on anything - always used the old tv until it died - ditto cars - always used and paid cash etc... They've lived this way for SO LONG that now they can afford to "live a little", they WON'T... So they've done everything right - and now are frozen like deer in a headlight. They can't stand parting with a dime... That kills me!
