I would also add you need to look at how you spend money. Many of my peers and people I know have terrible spending habits. usually of the form 'I have X comi

I would also add you need to look at how you spend money. Many of my peers and people I know have terrible spending habits. usually of the form 'I have X coming in a week I will spend Y' not thinking through that some other thing is going to take up most of X and now they have the debt of Y hanging over them.