Nice thread. I need some money management tips myself. I don't think I've spent excessively at all but I feel like I'm still in a crunch. I'm 3 years out of residency and I only have $60000 saved up in my 401k, $13000 saved in cash and about $5000 for the kids' education. I always feel like I have to pick up extra shifts to get ahead. It doesn't help that the Democrat tax plan got approved so there goes the Bush tax cuts for me. I'm not sure how much it will cost me, but nevertheless, it'll cost me something.
401k doesn't count for shit anymore. I'm down 1.65% for the year. I can't even count on that to grow and keep me going when I retire.
Seriously thinking of giving up the 3200 sq foot home, fancy car and live BELOW my means. But then life wouldn't be fun, would it???? Choices... choices... choices....