I am a simple guy with no education. I can't make it complicated. I get up every morning, enjoy what I do, do all I can do, keep it lean, no frills, no fancy vehicles, a good one that is dependable is all I need, no big or unnecessary loans, no credit card debt, ALWAYS Pay the CC IN FULL EVERY MONTH EVERY TIME, don't overpay myself, don't spend a lot of time and money on vacations or entertainment, pay the bills within 48 hours of receipt and always on time. NEVER spend money to impress someone. Seems to work. I have work everyday, I have bills paid, and I have a happy life.