Well, this article is informative and easy to understand, which sometimes does not happen when reading about money. I think for me, saving or decreasing my expenses is like...OMG where is anyone that wants to support me ? LOL Is hard. I have a son in college. Every semester we pay money. I am not even making $40,000 a year and my paycheck seems useless because only my credit cards see it. I don't see my money. I don't go on vacations since like...forever. Is hard, but this reading was empowering. It made me think of ways where I could make side money doing what I like. I am focusing on that. It was a great idea to think that way. Thanks!