[Studebaker]

Just want to add my AMEN. And I was pleasantly surprised to see this thread take a brief detour to endorse Dave "Better Than I Deserve" Ramsey's teachings. I couldn't agree more with the OP and with Dave.

I could buy more cigars and more expensive cigars than I do, but I try to stick to a budget! What a concept! I've got some nice cigars in my modest humi, and I'm content with them ( well, most of the time). I'm proud to day I'm debt-free except for my mortgage, pay my credit card off every month, and do it all on a modest salary. If you want to have a sense of freedom, try living on less than you earn! As Dave says, part of being an adult is having the ability to delay pleasure in order to achieve a greater goal! It's absolutely worth it.