Before I switched careers and started having an actual income, I was able to count on about half of $15k of income. Dave Ramsey says, "Live like no one else, s

Before I switched careers and started having an actual income, I was able to count on about half of $15k of income. Dave Ramsey says, "Live like no one else, so you can live like no one else." He means, save aggressively and retire comfortably. I was already living like no one else: no car, no concerts, rarely seeing movies or eating out, no fancy clothes, avoiding doctors, less than $15 cell phone plan. And my expenses still exceeded my income. It is not so simple and easy for everyone to have savings.