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Budget about 20% of your income for non-necessities like movies, vacation and travel, entertainment and eating out.

Stay healthy! Healthy people tend to be more productive in the work place, are more successful and typically earn higher wages.

Do you really need to stream TV shows and movies from multiple services like Netflix, Amazon, and Hulu! All while paying for cable or a satellite TV service.

Buy a car that you can drive forever. A vehicle purchased today is pretty much guaranteed to be worth a lot less after driving it off the lot. When you include maintenance costs and insurance premiums with above depreciation you start to understand the true financial cost of owning a car.