My background mirrors yours, but I'm not the miser you seem to be. I've never made a six figure income and it took years to get to a comfortable income. I also

My background mirrors yours, but I'm not the miser you seem to be. I've never made a six figure income and it took years to get to a comfortable income. I also married and had children young. I've pretty much given up on saving and spend what I can to insure my kids have a brighter future.