STOP SPENDING BEYOND YOUR MEANS

People nowadays have this idea that you HAVE to have a brand new car, or a brand new house. Buy a car that is 2 years old and you will pay 20-30% less than when it was new. Save up for the car, never buy on credit. Do NOT get credit cards, they are not needed. Always pay cash. A house and a car are the only two things you should be taking out loans for and that should be small. If you are saving to buy that house/car, you should have a nice chunk for a down payment. My car is 8yrs old, yep, and I will have that car until the cost to repair it exceeds what it would cost to buy another. I have replaced the fuel pump, and the engine. It cost less to do that than to buy a new or another car. I see people buying cars every 2 years, or even every year! That is insane!