I’m not living paycheck-to-paycheck, but it’s easy to see how that can still happen. Even in a relatively low COL area (comparing a town like Huntsville or Fort

I’m not living paycheck-to-paycheck, but it’s easy to see how that can still happen. Even in a relatively low COL area (comparing a town like Huntsville or Fort Worth to Seattle or San Fran), it’s easy to plow through a bunch of money between your mortgage, car lease, student debt, sending kids to daycare, and saving for retirement. I know you don’t have to have a new car and you can always try to get a smaller house, but that money goes pretty quickly if you aren’t careful.