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<blockquote data-quote="UpstateNYUPSer(Ret)" data-source="post: 977505" data-attributes="member: 12570">I am totally serious.&nbsp;&nbsp; It is very possible for people to live not only within their means but below them.I make $70K per year.&nbsp; I have a modest condo with an affordable mortgage.&nbsp; I am leasing a 2010 Nissan Altima which I plan to buy out when the lease is over next year.&nbsp; I have a credit card which as of this moment has a $98 balance.&nbsp; These are my only debts.&nbsp; I recently had new windows installed ($3K) and paid cash.&nbsp; I paid cash for my half ($9K) of my daughters wedding in 2011.&nbsp; I plan on installing a central air system next year ($5K) and plan to pay cash for that as well.&nbsp; 35% of my before tax pay goes to my 401k.&nbsp; I live a modest lifestyle and have very few toys.&nbsp; My plan is to scrimp now so I can enjoy myself later.I would live the same if I made $40K--it would simply take me longer to save the money.&nbsp; The only exception would be the 35%---that may have to be reduced.</blockquote>

[QUOTE="UpstateNYUPSer(Ret), post: 977505, member: 12570"] I am totally serious. It is very possible for people to live not only within their means but below them. I make $70K per year. I have a modest condo with an affordable mortgage. I am leasing a 2010 Nissan Altima which I plan to buy out when the lease is over next year. I have a credit card which as of this moment has a $98 balance. These are my only debts. I recently had new windows installed ($3K) and paid cash. I paid cash for my half ($9K) of my daughters wedding in 2011. I plan on installing a central air system next year ($5K) and plan to pay cash for that as well. 35% of my before tax pay goes to my 401k. I live a modest lifestyle and have very few toys. My plan is to scrimp now so I can enjoy myself later. I would live the same if I made $40K--it would simply take me longer to save the money. The only exception would be the 35%---that may have to be reduced. [/QUOTE]

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