something to keep in mind, Warren, is that Joe is married with two(?) kids. That really impacts saving and spending. Yes... we chose to have the kids, so i know an easy answer is 'don't get married and don't have kids' but most folks do and that is where the hidden expenses come from and where your bank account gets sucked dry.
What we need here and what most people need help with is the typical situation of two incomes, two kids, two cars, and paying regular bills. Most famiies can handle that; it's living BEYOND their means where most people get into trouble. If the $15k car will do, but the $20k car looks cooler, and is basically 'nicer' then they get caught up in buyer frenzy and over extend. it happens mostly with cars and homes i think.
It's also buying tons of unnecessary $hit for kids. my boys have phones; they drive.... but they don't have iphones that have huge bills. i think if people really looked at what they waste money on each month they would be shocked! a wake up call for many many many.....
i can 'afford' the lexus.... i bought the toyota.......
ya'll have a great day!
just got back from John S.'s engine install. went great!!!
