When I started in 1973 as a p/t - NO When I started as a driver in 1977 - NO When I went into management in 1979 - Hell NO Flash forward 20 years after we had an established home with buying a new car every 4 years (wife got the new one and I got the old one), daughter out of college and using UPS stock dividends to supplement income - YES And we never lived an extravagant life-style and put away 25% to 35% every year into savings. Which comes to the crux of this thread - have you been able to live a life-style living off one UPS income For many people, the real problem is they think they are entitled or deserve to live a life-style above their income. I know people who get by on less than $20,000 / year. They drive older (older being 15 or years) cars, they have a flip phone using Tracfone and/or do MajicJack VOIP, they get broadcast TV (no cable or satellite) or absolute basic package on cable/sat, no iPhones or iPads, a few use internet access from their neighbors wi-fi or go to McD's or the Library, They rarely eat-out, they use coupons at the grocery store, they don't have health insurance (Obamacare will hopefully help), they don't take vacation except to visit other relatives ... Anybody have other ways to "live within your means" on a reduced cash flow?