MOST people could benefit from the advice of Dave Ramsey. Live like no one else while young so that you can live like no one else when retired. For go all but the necessities until you are debt free then pay cash or don't buy it. Heard his advice a two years ago but didn't need it. I retired at 55, haven't had a loan of any kind for 20 years. Own our home, travel when we want, and buy what we want. Saving now for a newer F-250 to replace my wifes '97 expidetion. It should take less than a year. We worked hard, saved, and by the way we are both blue-collar workers. It is amazing how much more you can save when you are not paying interest.
I will get off my soap box now and change my diaper.