[jay72nova]

IMHO
and I don't intend to offend anyone but, I may...so sorry
if you own a 69 camaro, 66 stang, or any hotrod, protouring, etc or a laptop...your either
a. are doing ok enough to have saved allot of money... or
b. need to reset your financial priorities.

I personally never bought myself a toy after the age of 20 until I had over a years paycheck in savings...
we are talking an Army Paycheck so I don't want to here how somebody doesnt make enough for how much they work to save.

the thing is , you put the money directly in from your paycheck so you wont ever see it, if it isnt there you cant tell anybody "no" it just wont be there...
20% of every paycheck is reasonable less than that you screwing yourself, your future your kids future.

I have lived with really poor people in cardboard boxes with goats and not a pot to piss in LITERALLY! and I have done it all over the world in about 8 countries, really poor people are everywhere, but even they save half a cup of rice for tomarrow.

There are allot of people..(often immigrants) that make nothing and still save way more than 20% of thier income, they don't have big screen tvs, half a dozen vintage hotrod cars, go out to eat all the time. smoke 4 bucks a pack cigerettes and drink expensive beer etc...at least until their pretty darn comfortable, and if more americans had this dicipline than this country wouldnt be in the shi# we are in...its not the banks fault, or even billions of $ war spending or a lack of liberal government social programs..its people living like rockstars when they should be living under thier means...

anyway, sorry for the longwinded rant no offense meant to anyone