Ok, so I always make sure that I pay myself first. Hell, I'm the one busting my ass for it. It's crazy how the majority of people work hard for thier money and still having nothing to show for it. Yeah, maybe a nice house which could easily be lost to forclosure. I wish more people would start paying themselves first before anyone. Heck, just $5.00 a day. I know it doesn't sound like much but that's the beauty of it. You probably spend more than that just going out to lunch. Hell, I would make my own lunch and save those $5.00 in a high yielding saving account. Even better...save it to your emergency fund account. Having money set aside for emergencies sure can really save your a lot of stress. Should something go wrong...and chances are AT TIMES THEY WILL. Be prepared. You will be glad that those extra $5.00 a day or a week or whatever were there when you needed them. God, bless. Take care of yourself and YOUR MONEY BECAUSE ONE DAY YOUR MONEY WELL TAKE CARE OF YOU!!!! John J. Cuellar