Quit living beyond your income or wages and start saving. Take responsibility and do not look to government to solve your problems. That is why our nation is in such a mess financially.
The success formula in our country is so darn simple and easy:
1. Get a good education.
2. Stay sober.
3. Show up to work on time and deliver an honest day’s work.
4. Don’t have kids before getting married.
5. Don’t spend more than you make. Don’t waste money on toys.
6. Put your income into three budget buckets: immediate consumption; savings for your near-term needs like car repairs and property tax; and savings for retirement.