@kevinolearytv: The key to success on saving is to take 15% of your income when you're in your 20s and invest it in the index of the S&P 500. You don't have to pick stocks and you don't even have to understand what a stock is, but over the period of your life, if you're taking that 15% every two weeks/month on an average salary, you'll end up a millionaire when you're 65 plus. That's enough to live off in retirement. You won't have any debt. So it's about learning how to not buy s*** you don't need and investing that money instead.