Obviously you may not always be in a position to follow this exactly, but regardless of who you are it's a solid plan to aspire to. Even if you can only save $

Obviously you may not always be in a position to follow this exactly, but regardless of who you are it's a solid plan to aspire to. Even if you can only save $100 a month. Or if you can avoid using a credit card to buy things you don't really need, like a new tv to replace your old one that works fine. The average person who is not currently dealing with a significant life crisis could follow some of this, but often chooses not to, either due to not knowing any better or lack of self control.