No, it's just common sense when it comes to finance. But common sense isn't really all that common. I have the nice house and car, but I also have enough save

No, it's just common sense when it comes to finance. But common sense isn't really all that common. I have the nice house and car, but I also have enough saved that if I my wife and I were both to lose our jobs tomorrow we could live for 6 to 10 years unemployed. That is not a brag; nor is it a situation I want to be in. The point is that people need to be responsible and live below their means. There are trade offs to be made. I like sports cars, but I waited to get one until I could pay it off and not be carrying a huge loan. There is something to be said for delayed gratification.